We’re here to help you focus on what matters most.
If you become ill, injured or otherwise unable to work, your priority should be to look after your health and wellbeing – not worrying about how you’ll be able to make ends meet.
This is where Income Protection insurance can bring peace of mind. With the right policy in place, you’ll be paid a proportion of your income if you can’t work due to sickness or disability. What’s more, the payments continue until you return to paid work or you retire.
However, with such a variety of products on the market, it can be difficult to decide on the right option for you.
As independent Income Protection advisers, it’s our goal to take that worry off your shoulders by finding the solution that best fits you, your unique circumstances and your goals.
What is Income Protection, and how does it work?
Income Protection pays out a percentage of your salary on a monthly basis if you are unable to work due to illness, injury or a disability. This differs from Critical Illness cover, which is a tax-free, one-off lump sum designed to help pay for any treatment, or your mortgage or rent, following a diagnosis.
For Income Protection, you can choose between short term cover (12 to 24 months) or long-term accident and sickness cover, and keep receiving payments until you retire.
What’s more, Income Protection providers also offer additional support options, which can range from 24/7 access to virtual GPs, rehabilitation support services, back to work support, annual health checks and second medical opinions.
To qualify for Income Protection, you’ll need to be working a minimum of 16 hours per week.
Why work with Attivo as your independent Income Protection adviser?
We understand personal protection and know how confusing the range of options can feel.
We’ll take the time to listen to your circumstances and priorities, then search across hundreds of insurers for cover that suits your needs and budget.
We’ll talk you through the options clearly and help make arranging insurance as straightforward and cost-effective as possible, always keeping your best interests at heart.
Let’s discuss your options
Arrange your free, no-obligation consultation to hear more about our Income Protection service and see whether we’d be the right fit to support you going forward.
Important information:
We offer a free initial consultation to discuss your goals and next steps. If you decide to go ahead with advice, charges may apply – these will be explained before you commit.
Income protection insurance is designed to provide a regular income if you are unable to work due to illness or injury. However, it is not suitable for everyone and will depend on your individual circumstances.
Policies include specific terms, conditions, and exclusions, which may limit when and how benefits are paid. Not all medical conditions or situations are covered, and claims are subject to insurer acceptance. A deferred period will usually apply before any benefit is paid.
The amount of benefit you receive may not fully replace your income and could affect your eligibility for certain state benefits. Premiums must be maintained to keep cover in place and may increase over time depending on the type of policy selected.
Tax treatment depends on individual circumstances and may change in the future.