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What is it?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (which is typically your normal retirement age). 


This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be surrendered if you do not have sufficient income coming into the household in order to cover the monthly premiums.


Who is it for?

This type of plan is designed for anyone whom is working (employed or self-employed).


It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months, in which case ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have. Our advisors are able to assist you in finding a suitable plan to meet your needs.