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The following article was published in our article directory on December 22, 2020.
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Why Income Protection is Something You Absolutely Need

Article Category: Advice

Author Name: David Farrell

What happens to your family if you abruptly were unable to work? Income protection insurance can protect you if this were to happen.

Even if it makes you uncomfortable, this is a question that you have to face . How would you pay your monthly bills? What about your children�s education? Could you continue to pay your mortgage?

No matter what age you are, it is time to think about income protection insurance. After all, suddenly being unable to work can happen to you at any time. Even if you�re relatively young, you should still buy this type of cover to protect yourself and your family.

What is Income Protection Insurance?

It is a policy that will pay you a certain amount monthly or weekly to provide you with income in case you cannot work due to injury or sickness. However, only a certain share of your income will be protected but benefits will be paid tax-free. You will continue to receive benefits until you can return to work or you reach the age of retirement.

There is a deferment (waiting) period before you can make a claim. This is to allow any benefits you receive from your employer to end first. The longer the deferment period, the lower your premiums since it is less likely you will file a claim. Deferment periods can last from as little as one month to as long as a year.

To illustrate, let�s say you know your employer will provide you with six months� sick pay. Hence, you get a policy with a deferment period for that long.

One important thing to keep in mind is that premiums are calculated based on your particular circumstances. Hence, you have to get the right policy to ensure that your premiums are affordable .

For instance, let�s say you are formally employed and have sick pay benefits. Your premiums would be comparatively low since the chances of you filing a claim are lower.

On the other hand, if you are self-employed and have only your savings to fall back on, you would be charged much higher premiums. This is because the providers will likely see you as being at greater risk of making a claim.

Why Is Getting Professional Advice Important?

This is one of the most essential insurance policies you will ever buy. So it is important that you get the appropriate policy that best meets your needs and ensures your family is protected.

You want to find a policy that will provide you with sufficient income to pay for all your necessary expenses. At the same time, the premiums should be cheap enough to fit your budget.

A professional adviser can help you find the right policy. He can evaluate your financial situation so that you�ll know how much of your income needs to be protected.

In addition, since he is well acquainted with the insurance market, he can help you find the most affordable policy. He can even recommend alternatives if you find traditional income protection insurance beyond your means.

Keywords: Income Protection, Mortgage advice

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