Income Protection

If you are unable to work due to an illness, accident or injury, Income Protection will pay you a monthly sum. This would be a percentage of your salary until you are fit to return to work. You can use the money to cover monthly outgoings which still apply whether you are at work or not. This could your mortgage, any loans and credit card bills and also your general household bills.

Income protection is an invaluable cover for people who are self-employed. When you are self-employed what happens to your income if you are unable to work.

There are many considerations to take into account before investing in an income protection policy. These include:

  • Do you have any savings that you could use if you were unable to work?
  • If you are employed, does your employer pay sickness benefit. If so, for what time period?
  • How much money you would need to cover each month you could not work?
  • When did you want the policy to finish i.e. retirement age?
  • Do you want the premiums to remain the same over the life of the policy?

Income protection could definitely save you facing ever mounting debts if you were unable to work due to ill health. This is especially true if you are the main earner within your household. When you are the sole or main earner, your income is heavily relied upon.


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