Income protection ensures your wages are covered if you’re unable to work due to sickness or injury.
Create your own financial freedom with an affordable, flexible Manor Financial income protection insurance policy. Whether you’re an employee, contractor or self-employed, we’ll provide the perfect level of cover to fit your circumstances.
To complete your journey to financial protection security for you and your family.
Income protection insurance is a popular type of insurance that pays policy holders a regular income if they are unable to work due to illness, accident or injury.
Income protection is primarily used to cover essential expenses, such as mortgage or rent payments and essential household bills, if you’re unable to work. It operates as a valuable financial safety net, especially for homeowners and those with important financial commitments.
Before choosing a policy, applicants should consider,
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Income Protection and Life Insurance specialists
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.
Income protection insurance typically covers a wide range of the most common illnesses & injuries, including:
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:
There are a few potential disadvantages to income protection insurance, including:
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.
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.
Over many years we have developed a hard-earned reputation for our honesty, no obligation quotes, relaxed approach and reliable & flexible insurance products.
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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