Specialist help to find the right income protection policy
There are different types of policy available, covering general outgoings or specific loans such as your mortgage or credit card debt and even your divorce or child maintenance payments.
Why choose income protection insurance?
If you are unfortunate enough, through no fault of your own, to lose your job or are unable to work due to an accident or sickness, income protection policies can give you the ability to cover your expenses. Income protection policies are designed to allow you to focus on getting healthy or getting back into work by reducing the financial stress that inevitably follows being made redundant or unable to work due to an accident or sickness.
A variety of insurance policies to choose from
There are different types of policy available, covering general outgoings or specific loans such as your mortgage or credit card debt, or even your divorce or child maintenance payments.
When considering what type of policy to take out, you need to consider how long you are likely to need help if you are not able to work, how much you want the policy to pay out and how long you wait before the policy kicks in. As a general rule of thumb, the longer you are prepared/able to wait for the policy to start paying, the cheaper the premium will be.
Most insurers will pay out for periods up to 12 months and usually you can choose a percentage of your gross monthly income to cover.
SoSmart Money are specialists when it comes to mortgage and insurance advice. Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable lender and product for your needs.
Speak to one of our experts for mortgage advice, life insurance cover, to protect your income, insurance your home or contents and private medical cover.
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