FAQ Frequently Asked Questions

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Income Protection

Navigating income protection? Get informed with our concise answers to your burning questions

Income protection insurance can be a valuable and often essential financial safety net if you become unable to work due to illness, an accident or injury. It can crucially help replace a sizeable proportion of your income, so that you can continue to pay your mortgage, rent, household bills and other important financial obligations.

Whether or not income protection is worth the cost generally depends on your individual circumstances, such as income, occupation and your financial situation. If you are the sole earner in your household or if you have numerous financial commitments, then income protection could be a good financially prudent option for you.

The cost of income protection insurance will vary considerably depending on several key factors, such as age, occupation, health, and the level of cover you choose. As a rule, you can expect to pay around £10 – £100 per month for income protection insurance, depending on the level of cover required.

An income protection policy will pay out a financial amount either weekly, monthly or periodically, if you become unable to work due to illness, an accident or injury. The benefit amount will depend on the terms and the level of premiums you pay into your policy. The primary purpose is to protect employees, contractors or self employed individuals who can’t work for a period of time. Our insurance product protects employees from many sectors included nurses, construction to self-employed individuals

Income protection insurance typically covers a wide range of the most common illnesses & injuries, including:

  • Cancer
  • Heart attacks
  • Strokes
  • Broken bones and sprains
  • Minor and major surgery
  • Long-term disability
  • Musculoskeletal
  • Some forms of mental illness

Some Income protection policies may also cover redundancy and/or pre-existing conditions, although this is not always the case.

This is often difficult to answer, as the best income protection insurance for you will depend on your individual circumstances and policy requirements. It is important to compare policies from different insurers and speak to a specialist to evaluate your options and find one that offers the right level of cover at a competitive price.

This depends on the type of policy you opt for. However, in general, income protection insurance does not cover every type of illness and injury. Some common exclusions include:

  • Pre-existing conditions
  • Self-inflicted injuries
  • Some life long medical conditions

There are a few potential disadvantages to income protection insurance, including:

  • The premiums can be expensive, depending on the level of cover required.
  • There may be a specified waiting period before you can claim benefits.
  • You may have to undergo a medical examination.
  • Your policy may be terminated if you make a false, incomplete or misleading statement.

Some income protection policies specifically cover redundancy, but some do not. If you are considering taking out income protection insurance, it is important to check whether redundancy is covered. Alternatively ask for a quote covering redundancy.

No, unfortunately not. Income protection insurance is a type of insurance policy that is protecting an income. If you are not working or not receiving an income you would not be eligible for the insurance.
Yes, self-employed people can get income protection insurance. For most self-employed people the need is higher, due to the lack of support or sick pay from an employer.

Critical illness cover is a different type of income protection insurance that specifically pays out a lump sum, if you are diagnosed with a critical medical illness, such as various types of cancers, heart conditions, strokes and brain tumours. This financial payout can be used to cover your financial needs, such as medical expenses, mortgage payments, or childcare costs.

Life Insurance

Life’s uncertainties deserve clear answers. Get informed with our in-depth life insurance FAQs.
Life insurance is all about protecting your family and loved ones in the event of your death, so they have massively reduced or no financial issues. A life insurance policy can cover the funeral cost, pay off the mortgage or even just provide cash for your family. If you feel life insurance is a priority or not, it’s your decision and it depends on your circumstance. The fact is, these extra funds, available after your death, will be beneficial to those around you.
Whole of Life is a type of insurance that does not have a term length. It will run for as long as you live, as long as you have kept up with the monthly premiums.
Term life insurance is cover for a specified time. It will pay out a cash lump sum if you were to pass away during the term of the policy. The maximum age you can cover yourself up to is 90.

There is no limit to how much life insurance you can access. Typically, the higher the amount, the higher the premium. Depending on your age, and how much cover you apply for, the policy could be subject to medical or financial underwriting, where the insurer takes on financial risk for a fee.

Placing a life insurance policy into Trust has two main benefits. Firstly, it helps to speed up the claim process, so that the cash lump sum gets paid to the beneficiaries sooner. Secondly, as the lump sum is written into Trust, it is not subject to any inheritance tax, so your beneficiaries have no tax to pay on the pay-out

Single life insurance policies will cover one person and will payout on the death of the insured person. Joint life insurance can cover two people and can payout on the 1st death, or the 2nd death, however, it will only pay out once.
The length of time to payout can vary, but would usually take around 30 days. Some insurers will offer an advance payment to help cover funeral costs whilst you wait for the remainder of the lump sum to payout. You can speed the process up by having the life insurance policy placed into trust.
Placing a life insurance policy into Trust has two main benefits. Firstly, it helps to speed up the claim process, so that the cash lump sum gets paid to the beneficiaries a lot quicker. Secondly, as the lump sum is written into Trust, it is not subject to any inheritance tax, so your beneficiaries have no tax to pay on the pay-out

Critical Illness Insurance

Understand your critical illness cover options. Get clear, expert answers to your biggest concerns
Like any insurance policy, you don’t have to have Critical Illness Cover. However, this type of cover might be right for you, if you have little or no savings to cover your outgoings if you were diagnosed with a life-threatening illness.
You can choose to cover yourself on Critical Illness for as long as you need it, but usually, most insurers will only cover you up to the age of 75.
This will vary from insurer to insurer. The majority will all cover the most common types of critical illnesses, such as – Cancer, Heart Attacks, Strokes, Tumours, Multiple Sclerosis. The number of conditions covered can vary from 10-182 serious illnesses.
Certain policies will have children’s critical illness cover included as standard but not always. It’s important to ask your adviser if your child is included, or which insurer will do this for you.

MetLife EverydayProtect Insurance

Explore our FAQ for clear answers to all your everyday protection queries.
MetLife Everyday Protect is an insurance plan that provides financial support for a range of specified accidents, injuries and hospital stays within the UK. It is a flexible policy, generally paid as a lump sum and can be customised to suit your individual or business needs. Some popular key benefits of MetLife Everyday Protect include:
  • Financial support for accidents and injuries: through financial support for a UK hospital stay, lost income, medical bills and travel expenses.
  • Optional cover for children: You can add your children to your policy for a small additional fee, to ensure they are also covered for accidental injuries and hospital stays.
  • Worldwide cover: MetLife Everyday Protect covers you 24/7 worldwide, so you can travel for business or on holiday knowing you’re protected.
  • Free access to the Wellbeing Support Centre: MetLife Everyday Protect policyholders have free and unlimited access to the Wellbeing Support Centre, provided by Health Assured. This offers a wealth of specialised resources, such as counselling, financial and legal advice.

MetLife is also renown for great customer service and for providing a range of affordable and flexible products for corporates and individuals.

The maximum age for purchasing a MetLife insurance policy in the UK depends entirely on the type of policy required.

For individual protection policies, such as Everyday Protect, the maximum age is 65, for MortgageSafe it’s 59 and ChildShield is 17.

To initiate a claim payout, the policyholder or beneficiary must submit a claim form and provide any supporting documentation asap. They will then be contacted to discuss the specifics of the claim.

If the claim is approved, MetLife will release the payout funds using the preferred method of payout chosen by the policyholder or beneficiary. Once your claim is approved payment is usually made within 5 business days. Please note, payment times may vary.

Met Life is one of the largest and most popular global insurance companies. They are a leading international provider of insurance, annuities and employee benefit programmes in over 40 countries.

MetLife is a highly reputable insurance company that has a superior bond credit rating from S&P and Moody’s. These scores reflect MetLife’s financial strength and ability to pay customer claims.

There are several benefits including comprehensive and flexible coverage, as MetLife offers a wide range of insurance products to protect UK citizens against a variety of risks, including life insurance, income protection, accident and illness cover, and more. Allowing customers to choose the policy and coverage specifics that best suits their individual needs and budget.

Primary policy benefits are often listed as financial protection – as income replacement, peace of mind, affordability, return to work support, portability from one company to another, free access to a Wellbeing Support Centre, plus discounts for employees of specific companies.

MetLife Europe is registered in Dublin, Ireland, and MetLife UK & Worldwide has offices in London and Brighton. MetLife UK offers a range of individual and employee protection solutions, including life insurance, income protection, and critical illness cover. MetLife UK products are only available through financial advisers and intermediaries.

MetLife has been operating in the UK since 2007 and has helped millions of customers protect their families and finances.

In the UK, the age at which life insurance stops or becomes more difficult to obtain can vary depending on the type of life insurance, your employment status and the terms and conditions set by each insurer. Speak to your us to understand the specifics for the policy you’d like.

The older you get the more relevant life insurance is to protect yourself and your family. It will also ensure that any payment made upon your death helps your family with outstanding debts, funeral costs and mortgage payments.

Absolutely. Your premiums will be priced according to your medical history including any pre-existing conditions. As well as your occupation, budget and your smoker status.

Our customers

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Why Choose
Manor Financial?

Over many years we have developed a hard-earned reputation for our honesty, no obligation quotes, relaxed approach and reliable & flexible insurance products.

  • No obligation quotes
  • Experienced advisors
  • Compare the market service
  • After sales support
  • Claims support
  • Additional benefits
While providing top class insurances options, useful features and after sales support, for ALL our customers. As experienced, respected insurance brokers, our key strength is listening to what customers really need to feel financially protected and providing them with trusted and fully transparent advisors to help them make the right decisions about protecting their income, property, families and futures.

Contact Us

If you have any questions about any of our policies, from income protection, life or home insurance to one of our more specialist policies; or would simply like a ‘no obligation’ quote, we’d love to take your call on
0800 368 7533.

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