Feefo Trusted Service Award 2018

Income Protection experts

We're the experts so let us do the hard work
Making life insurance and travel insurance
affordable for everyone...

Start your quote

AEGONAIGAVIVALegal & GeneralLiverpool VictoriaRoyal LondonVitalityZurichbritish friendly logoscottish widows theinsurancesurgerythe exeter theinsurancesurgeryguardian theinsurancesurgeryold mutual wealth logo

Compare Income Protection cover with our team of experts

If you work and have an income then this is definitely something you should consider. Most people don't consider what would happen if they were unable to work due to sickness, accident or a disability.

Overview of Income Protection

  • This protection product is designed to pay up to 70% of a working individuals annual pre-tax income as a monthly benefit (tax free) should they be off work due to illness or injury.
  • There is no restriction as to what illness or injury this maybe, it’s simple. If you can’t work, you can make a claim.
  • You can choose how long you want to wait before the benefit is paid, this is known as a deferred period which varies from day 1 to 52 weeks
  • You can claim as many times as you want throughout the policy term, short and long-term options are available starting from 1yr, 2yrs, 5yrs or full cover which usually insures you up to retirement age.
  • Some of our providers pay weekly benefits as well as monthly
  • If you have pre-existing medical conditions they maybe excluded from the policy, so you wouldn’t be able to claim on an illness or injury you already have before policy was taken out.

 

Why is this important for your clients?

Anyone who is self-employed (including contractors) or doesn’t have full sick pay from their employer has a genuine need for income protection simply because if you’re not working you’re not earning any income, which means paying for all your outgoings becomes extremely different. State benefits are getting harder to qualify for and you may not get enough benefit to cover your outgoings even if you did qualify. We can cover most occupation classes and some of our providers will not charge more for a higher risk occupation.

“But I have savings”

The question you need to ask yourself is, what were you saving for? Maybe a car, holiday or a deposit for a house, children funds etc. why should you dive into your savings when you can have an income protection policy. If you have your own rainy-day fund, ask yourself how long is it going to last. Once funds run low what would you do?


Independent Reviews at

 

photo 1449495169669 7b118f960251

The Insurance Surgery Ltd is rated 4.9/5 based on 187 reviews. Read our reviews


'Simply the best' This company is the top of the insurance business. I found it after having a bad experience with one of the biggest insurers.I thought I would struggle to get insurance. I filled in the enquiry section on there site, and waited for the reply. When it came I was very impressed with the manner in which the information was taken and the speed I got the quote, which was very reasonably priced.I would not hesitate to use this company again and would highly recommend them to family and friends. 4.9

Specialist and Free Advice from a team of experts

Speak to our team of experts to find out how much we can save you today...

Call 0800 083 2829

Monday to Thursday: 8:30am - 8:00pm Friday: 8:30am - 5:00pm

Request a callback

Arrange a callback