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Income Protection

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Income Protection

This policy is designed to provide an income in the event the insured individual is unable to work due to ill health.

The level of premium will depend upon the amount of benefit and term selected and most policies cease to pay the benefit once the insured is able to return to work. Income Protection policies are usually written to retirement age or 60 if earlier.

Accident, Sickness & Unemployment (ASU)

ASU policies were traditionally sold to accompany mortgages, allowing for a regular income to be paid to the insured should they be unable to work due to ill health, an accident (or lose their job).
The product can be split down, and unemployment cover is usually the optional extra available for an additional premium. Benefits are only usually paid for a specified time for example 12 months. It is important to compare ASU and Income Protection closely as one may be more suitable than another.

It may also be possible to use the 2 products to work in tandem with each other.

The Benefit of Independent Financial Advice Explained

Why taking personalised financial advice is a good idea, both now and in the future.

Searching to "find a financial advisor" , we offer practical and relevant solutions to help you meet your financial objectives. Why not find out how we can help, call us 01282 614444.

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31.05.25

May news from your local pension adviser

May news from your local pension adviser

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Highly recommended to friends and relatives. Contacting Christina was the best thing we ever did. We wouldn’t be in the financial position that we are, without her.

Mr & Mrs L

Adele has been professional and knowledgable, yet also personable and fun to spend a lot of time with! I wouldn’t hesitate to recommend her to friends and family.

Mrs C

I found it very easy to do business with Christina, she talked to me as a friend and I would recommend her to others.

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