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Income Protection provides  a method of ensuring that if you are unable to work because of Accident, Sickness or Disability, then an income is provided either up to the age of normal retirement or for a set period of time.

Many employers provide some sort of short-term benefit in the event of employee accident or sickness, and the State provides Incapacity Benefit, but neither option will offer much compensation to you are are on long term sick leave.

Income Protection will pay out a guaranteed level of income every month for the full term of the policy (potentially up to retirement age) provided incapacity continues. For long term payments the maximum Tax Free monthly benefit payable can be up to 65% of a person’s annual income.

These types of policies will allow you to make several claims so long as the circumstances are legitimate. The monthly payments can be index-linked to that they keep pace with inflation and the rising cost of living.

Income Protection is one of the most important insurances for the Employed, Self Employed and Company Directors personal and family, and yet it remains one of the most over-looked. IF YOU CAN’T PAY THE BILLS -WHO WILL!!

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