Income Protection
We conscientiously insure our cars and homes, yet it’s easy to overlook the most fundamental asset that pays for it all: our ability to earn an income. How would you manage your bills, mortgage, and daily expenses if illness or accidental injury suddenly prevented you from working?
When life takes an unexpected turn, what truly matters is the peace of mind that comes from a reliable policy.
In the event of your diagnosis, the money paid out from a Critical Illness policy offers invaluable flexibility. It could be used to:
- A vital income stream to help replace any loss of earnings due to ill health or accidental injury.
- An affordable and easily arranged insurance solution, bringing essential peace of mind to you and your family.
- Continued benefits even if you return to work in a reduced capacity with a lower salary, supporting your transition back.
- Tax-free payments under current tax rules, offering a crucial financial lifeline without additional tax burdens.
Income Protection Insurance is typically designed to replace a significant portion of your gross salary if you’re unable to work due to accident or sickness. There are some additional policies which cover to include unemployment, and have the potential to pay out for many years, even right up until your chosen retirement age.
As a valued partner within the Stonebridge Network, Guardian Financial Limited gains invaluable access to a wide panel of highly reputable insurers. This allows us to diligently research the market and present you with a range of optimal options. We will talk you through the choices available, advising on the right policy that perfectly aligns with your unique situation and budget.
As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.