Income Protection is an extremely effective insurance you can take out to protect your income each month against Sickness, Accident or Disability. It’s a very comprehensive policy that can cover your income typically for 25-30 years.

Most people’s savings and sick pay only last for a few months and with Statutory sick pay only offering £109.40 per week, to avoid serious financial hardship you need to protect your income in case things go wrong.

Steve who is 30 years old and a non-smoker wants to
protect 60% of his £50,000 salary. So that works out to cover of £2,500 per month. He wants to be covered for 35 years up until retirement.

For a price of a typical coffee per day, Steve could protect his income for the next 35 years and that’s 420 months of protection or in his case @ £2,500 that’s over a £1m in protection for his income.

Most people’s savings and sick pay only last for a few months and with Statutory sick pay only offering £109.40 per week, to avoid serious financial hardship you need to protect your income in case things go wrong.

Could you cope on just £109.40 per week?
If the answer is no, you need Income Protection!

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