If you were to suddenly lose your income due to accident, sickness or disability, how would you pay your bills and look after your family and yourself? Who would provide financial support for you?
With today’s fast lifestyles, it is easy to overlook such questions and stay focused on the here and now.
Time spent planning for the future, however, is never a waste of time, and may well save you a great deal of stress and strain at a later date, should misfortune strike.
Income Replacement is available for both individuals and companies, and provides cover against loss of income due to accident, sickness or disability, enabling you to pay your regular commitments, such as your mortgage and other household expenses.
After a deferred period, generally between 13 – 26 weeks, the policy pays a proportion of your salary until you return to work or reach your chosen retirement age.
We also advise on Group Income Protection Policies, which not only provide replacement income, but also a range of group employee benefits, such as medical helplines and counselling.