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How much does an income protection policy cost?

The cost of an income protection policy will vary depending on a few factors. These factors are…

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Age

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Occupation

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Pre-existing medical conditions

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Amount of Income you want protecting

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Defer Period

According to consumer group Which?, Income Protection is the one insurance product that every UK working adult should consider.

What is income protection?

Income Protection is an insurance policy designed to pay out a regular income if you are unable to work due to an accident, or sickness. The pay-out can make sure you are still able to meet your essential household costs. For example, your mortgage/rent, utilities and to put food on the table, until you are able to return to work. Income Protection is also commonly known by several names which you may heard of such as injury insurance, protection insurance, salary insurance, injury insurance, employee insurance, sick pay or even wage protection! Ultimate, all of these names are just another name for income protection insurance. Here at Manor Financial, we can compare the income protection insurance market to help you find the best policy. We work with the best UK rated insurers.

Why should I take Income Protection with Manor Financial?

You could be wondering why you should take Income Protection out with us? Here at Manor Financial Advice we strive to help every case no matter what age,  occupation, medical conditions, anything.

We will do what we can to help you get the cover that you need.

Get a FREE Quote today! Please just fill in your details below!

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FAQ’s For Income Protection

How much Income Protection will I get?

You can protect up to 70% of your income. If you are employed this will be calculated on your gross income, and if you are self-employed this is taken from your net profit.

How much will it cost?

The price will depend on many factors such as health and lifestyle, the cover amount, age, occupation and deferred period.

What is the deferred period?

The deferred period is the length of time that you can wait until you need the insurance to payout. For example, if you receive sick pay from your employer for the first 3 months, you could choose a 3-month deferred period. Or, if you are self-employed and would need the insurer to pay straight away if you can’t work, you could choose a deferred period of 1 day, or 1 week.

Would an Income Protection policy affect my statutory Sick Pay?

No, you are still entitled to claim Statutory Sick Pay if you are employed, as well as claiming for income protection. If you are self-employed you are not entitled to SSP

Would Income Protection cover pre-existing medical conditions?

Depending on the condition, when it was diagnosed and if there are any ongoing symptoms your insurer might exclude any pre-existing conditions temporarily. However, after a period of time has passed they may review so that the conditions are then included on the plan. In certain cases, and for mild conditions they may be included from the start of the policy.

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