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Income Protection

Income protection insurance, or IP insurance as it’s also known, can provide cover if you’re not able to work.

There are typically three types of things that you’re protected against – accident and sickness only, unemployment only and the more comprehensive, accident, sickness and unemployment cover.

You’re able to protect up to 70% of your gross salary and it’s designed to replace your income and to pay out a tax-free monthly sum, which can be used to help ease any financial hardship whilst you’re unable to work.

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Risk Warning

As with all insurance policies, conditions and exclusions will apply

“ Accident, Sickness and Unemployment Cover typically costs £4.71 a month for every £100 of monthly benefit. This is based on a 36 year old customer choosing £850 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period. The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances” and “ There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income. For impartial advice about this type of insurance, please visit the website www. moneyadviceservice.org.uk”