Protect the income your everyday life depends on.
If illness or injury keeps you from working, income protection can replace part of your income. Neil will help you understand the options and what happens if you need to claim.
Cover, exclusions and benefits depend on the policy and your circumstances.
Cover built around your working life.
Income protection can provide a monthly benefit if illness or injury prevents you from working, subject to your policy terms.
How the cover works
How much it pays
A benefit that replaces part of your income to help with essential bills.
When payments start
A waiting period chosen with your sick pay and savings in mind.
How long payments last
A claim-payment period suited to your needs and the available policy options.
Your working life
Self-employed?
Consider what would support your household if you needed to stop working.
Employed?
Check how much sick pay you receive and how long it lasts.
Company director?
Ask Neil about personal and business-funded options for your circumstances.
Different cover. Different types of payment.
Income protection
Regular payments
Can provide a monthly benefit for an eligible illness or injury claim.
Fracture cover
A lump sum
Can provide a separate payment for specified fractures covered by the policy.
Neil can explain whether either suits your needs. Cover and benefits depend on the policy terms.
Help with the claim. Space to focus on recovery.
Our support does not end when the policy is arranged. We help with claim paperwork and keep you updated.
“After I broke my foot I contacted Neil and he helped me through out the claim process…”
An individual client experience. Claim outcomes depend on the policy and circumstances.
Talk about your working life
We begin with your income, commitments and existing cover.
Understand the options
Neil explains benefits, waiting periods and exclusions.
Arrange it, then stay involved
We help with the application and remain available when you need us.
A few questions about protecting your income.
Can you help if I am self-employed?
Yes. Neil can talk through cover suited to your working circumstances, income and budget, subject to insurer criteria.
What if I already have sick pay through work?
Bring the details of your employer’s sick-pay arrangements. We can discuss whether there is a gap and how any cover should fit alongside what you already receive.
How soon would payments start?
A waiting period applies before an eligible claim starts paying. Neil can explain the available options and how these fit with your sick pay and savings.
Does it cover redundancy?
The income protection described here is for being unable to work because of illness or injury, rather than losing your job through redundancy. Neil will explain the scope and exclusions of any policy you consider.
Is this the same as critical illness cover?
No. Income protection can provide regular payments during an eligible claim. Critical illness cover generally provides a lump sum for a specified condition that meets the policy definition.
Can you review a policy I already have?
Yes. Bring your existing policy details. We can review how the cover fits your current circumstances and explain the options before you decide on any changes.
Already have cover? Let’s check it still fits.
Your job, income or family may have changed since you arranged it.
Let’s talk about your income.
Speak to Neil by phone, video call or at our Rathfriland office.
Call 028 4176 9769