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The following article was published in our article directory on December 10, 2020.
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Is Income Protection the Best Choice?

Article Category: Real Estate

Author Name: David Farrell

As the economic situation becomes more and more uncertain, taking out income protection coverage seems increasingly like a good idea . But is it really the best choice to ensure that you and your family are protected?

What Income Protection Insurance Can Do For You

This type of policy, which is also known as permanent health insurance, ensures that you continue to receive a regular income if you are unable to work due to injury or illness. The benefits continue until you can return to work or retire.

It is the ideal choice for those, such as the self-employed, who have no alternatives to replace lost income. If you�re entitled to sick pay or are set to retire soon, it may be best to explore other alternatives.

Other Types of Insurance to Replace Lost Income

These insurance policies might be better suited for your specific requirements instead of income protection:

Short-term income protection insurance. This type of coverage replaces lost income if you�re unable to work due to sickness or an accident, or have been made redundant . Payments are made until you return to work or the maximum period has expired (usually after twelve to twenty four months).

Payment Protection Insurance. This policy does not provide you an income, but rather ensures that you can continue to make payments on certain financial commitments such as a loan or a mortgage.

PPI policies usually cover only a specific loan. Hence, when they pay out, the money is used to service that particular commitment, and can�t be used for anything else.

Critical illness cover. This type of insurance pays you a one-time lump sum in case you are stricken by a specific medical condition that is covered by the policy. For instance, the policy might pay out if you suffer from a stroke or heart attack, or are diagnosed with cancer.

If you die, this policy will not pay out. It also does not cover pre-existing conditions that you knew you had before you bought the insurance.

Which Do I Need?

Before you decide , consider what your expenses and other financial needs will be will be if you are unable to work, as well as what other resources are available to you.

For instance, if you have sufficient funds to see you through in case you are suddenly unemployed, payment protection might be a good choice. This policy ensures that the resources that you have will go to pay your bills while the insurance services your debt.

If you are a few years off from retirement, short-term insurance might be the better option. This policy ensures that if you are unable to work, you will have enough to bridge the income gap until you receive retirement benefits.

To help you make the best choice, you might want to consult with a professional finance specialist. He will work with you to decide which is the best policy for your needs.

If you decide that income protection is the most appropriate choice, he will also work to find the best policy based on your particular circumstances. His advice will help ensure that you are protected in case you are suddenly unable to work for whatever reason.

Keywords: Income Protection, Mortgage advice

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