Most of us like to believe that we think ahead. But many of us don't want to think about how we'd cope if we were unable to work because of illness or injury.
Income Protection Benefit provides a monthly benefit should you be unable to work due to incapacity caused by illness or injury resulting in loss of earnings during the policy term.
The value of advice
There are many reasons why you might choose to seek protection advice.
Our protection advisers can help:
- Understand your needs - before they make a recommendation they’ll build up a picture of your overall personal financial circumstances and agree with you the areas you should prioritise.
- Discuss potential solutions - help to consider what products best suit you and your family and help calculate any cover you may need.
- Highlight the pros and cons – they'll make you aware of how the products differ because they're not all the same.
- Make a recommendation - this will be tailored to your needs, making sure you get the right balance between what you can afford and the quality of products you need.
Critical illness Cover plans are designed to pay out a lump sum on death or diagnosis of one of the specified critical illnesses during the policy term.