DAVID ALLEN MORTGAGE AND INSURANCE SERVICES
Income Protection
Future proof you’r income no matter what happens.
How we can help
Have the reassurance you are covered doing what you love
Don't take a chance
Quite simply Income Protection replaces a percentage of your gross income. Paid monthly tax free by direct debit into your current account if you cannot work due to illness or injury. This can cover mortgage payments, rent, food, utility bills, or anything else you may need it for.
Income Protection will cover all non-pre-existing conditions making it the policy you will most likely have a claim paid out from.
Dont get stuck with the minimum
If you are employed, you are entitled to £99.35 per week Statutory Sick Pay ( SSP ), correct at 27th Oct 2022, unless your employer provides additional sick pay. If this is the case it may only be for 3, 6 or 12 months.
Self Employed
If you are self employed unfortunately you are not entitled to SSP, making it even more important that you protect your income. Income Protection can be set up to have a limited pay out period of 1, 2 or 5 years or can be set up to pay out continuously until your selected retirement age, giving you peace of mind that you will always have an income at the end of the month.
Fracture Cover
With certain providers you can add on a fracture cover benefit that will pay a lump sum if you: Break a bone like your arm, leg, wrist or collar bone. Dislocate a joint, like your shoulder or their hip Rupture your Achilles tendon Tear a cruciate ligament in your knee Some sports and hobbies are excluded from a standard Income protection and fracture benefit policy see Sports Income Protection link to see how I can help if this is the case.
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