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Income Protection Insurance
Just sit back and let Top Quote UK compare all the major Income Protection Companies for you within minutes.
Why Choose Top Quote UK for your Income Protection?
- Free Online Quotes and Simple Online Applications - making your search quick and easy.
- Free and Independent Advice on all Income Protection Policies - let our professional advisors help you.
- No Salesperson will Visit - all contact with friendly UK based staff via telephone/email.
- We Search all of the Leading Income Protect Companies - to make sure that you get the cheapest and most suitable policy.
- We Don't Charge you a Fee - all advice is free.
- Top Quote UK are one of the UK's Largest Income Protection Brokers - trust Top Quote UK, the Income Protection specialists.
What is Income Protection Insurance?
Income Protection (also known as Permanent Health Insurance) is a low cost insurance policy that pays out a monthly income if you are unable to work due to illness, disability or sickness. The policies typically provide long term cover until retirement, meaning that a claim can be paid for a number of years if necessary.
Income Protection is one of the most important polices available in the UK today and is beneficial to everybody who works, whether employed or self-employed.
Why Do I Need Income Protection Insurance?
Have you thought what would happen if you couldn't work due to a long term illness, sickness or disability? Many people believe that they will be looked after by the state, unfortunately this isn't the case as incapacity benefit currently stands at about £60-£85 per week... ask yourself if you could live on this?
As many employers no longer offer sick pay, income protection policies are becoming more and more vital. Even if your company has a sick pay scheme, you should seriously consider taking out income protection because sick pay is limited for a number of weeks/months, so what would happen once it runs out? The chances are that if a condition keeps you off work for 6 months then it will probably keep you off a lot longer and possibility even the rest of you working life.
Which Income Protection Insurance Policy is Right for Me?
The different types of income protection that are available are:
- Long Term Income Protection: pays out a monthly income until retirement age. Usually just accident, sickness and disability is covered on these policies.
- Short Term Income Protection: pays out a monthly income for a maximum of 12 months, these policies usually cover accident, sickness and unemployment.
- Mortgage Payment Protection: pays out a monthly income to protection mortgage payments rather than income, for a maximum of 24 months, these policies usually cover accident, sickness and unemployment.
Here at Top Quote UK we take great pride in giving excellent advice on all income protection policies. You can either request an instant quotation online or by calling one of our fully qualified advisors free on 0808 1782 777.
Income Protection Insurance is often mistaken for ASU (Accident, Sickness and Unemployment) Cover. Income Protection provides long term protection of income for illness or disability, whereas ASU provides short term cover for illness, disability and redundancy.
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