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Income Protection Insurance

If you're unable to work because of illness or injury, under an employers group sickness scheme (Group IPI) salary is continued but is subject to tax and NI in the usual way.

Free initial consultation

You're invited to a free initial meeting to explore the most suitable business protection options for your needs.

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The maximum amount of income you can replace through insurance is broadly the after-tax earnings you have lost, less an adjustment for state benefits you can claim. As with all insurance, it is important that you have the right type of policy which provides all that you need it to do for you.

 

Long-term income repayment policies usually come into play between the time when your employer stops paying sick pay, and when you collect your pension.

As your business grows and changes, we’re here to support you with tailored protection and flexible cover that evolves with your needs.

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Shorter-term policies tend to be used to protect a mortgage, bank loan or other payment. These usually commence within a few weeks but stop entirely after 12 months or 24 months. Short-term policies often include unemployment and redundancy, unlike longer-term income protection cover which does not .

Income Protection Insurance only applies to products which pay you an income if you become unable to work due to sickness or injury. Policies to protect mortgages, loans or credit card debts are often called Accident Sickness Unemployment (ASU) policies.

We will happily explain this in more detail to you.

Get in touch

For independent, personalised financial advice, contact us today. Our expert advisers are ready to assist you.

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THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

UNEMPLOYMENT COVER IS NOT YET AVAILABLE   

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01745 585 474
93 Bowen Court,
St Asaph Business Park,
Denbighshire
LL17 0JE.

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info@ascentfp.co.uk