Income Protection Insurance

Income Protection Insurance

Despite careful planning, life is not predictable. Do you have a Plan B? Could you and your family live on your savings with little or no notice? If not, then speak to us about income protection insurance.  Whether you’re employed or self-employed, we can help you.

Essentially, Income Protection Insurance could be your clear path to a financial safety net, should the unexpected happen.

Have you considered income protection insurance?

Firstly, we need to be rather blunt.  Redundancy, serious illness, an accident that prevents you from working or even your death (or that of your partner) could mean that overnight, money stops coming in.

If you were suddenly not here, how would your loved- ones cope?

Sadly, Every year, families experience serious debt when affected by illness, injury, loss of employment of the death of a main breadwinner.  Beyond this, financial hardship on top of grief and stress will be hard to bear.

Surely, this is the sort of worry no one deserves.  Do not let this happen to you.  We all have a hard-wired instinct to protect the ones we love.  Therefore, it makes sense to make practical provisions, too.

Are you self-employed? Are you the sole income provider? Or, does your financial security depend on a joint income?

Yes?  In brief, it’s vital to consider income protection to mitigate any potential for sudden loss of earnings.  Importantly, our  advice is particularly suitable for Contractors.  Why? Because we understand the nature of your work flow and can offer you our best advice.

Income Protection – How it Works

In summary, income protection insurance protects up to 70% of your gross income, both short and long term.

As whole of market advisers with access to a wide range of insurance products, Black Lion is here to help.

With a manageable monthly premium, should your claim be accepted you can receive a regular income for an agreed period.  Of course, this not only keeps a roof above your head (mortgage, bills etc), but also provides for other essentials, such as a loan or car payments.

Should your circumstances change suddenly, your insurance policy can become active as soon as you need it.  Moreover, it’s tax-free.  And, it can be paid alongside any company sick pay you may be entitled to.

Our Approach to Income Protection Insurance

Not only do we have the expertise you need, we’re also here to share our knowledge with you.

After an in-depth fact find – confirming what you already have in place, for example – – we’ll do our research of the products available and present the most appropriate choices.

Of course, you’ll be able to make your own informed decisions in your own time.

By the same token, we want to help you find the best value income protection insurance cover at the right price. One that doesn’t cut corners, but which could be the life line you need.

Payment Protection Insurance is Optional

Please be aware that there are other providers of payment protection insurance, as well as other products that could protect you against loss of income.

For impartial information about insurance, please visit www.moneyadviceservice.co.uk

 Income Protection Insurance

Despite careful planning, life is not predictable. Do you have a Plan B? Could you and your family live on your savings with little or no notice?

If not, speak to the team here about income protection insurance.  We could be your clear path to a financial safety net, should the unexpected happen.

Have you considered income protection insurance?

Redundancy, serious illness, an accident that prevents you from working or even your death (or that of your partner) could mean that overnight, money stops coming in.

We need to be a little blunt: If you were suddenly not here, how would your loved- ones cope?

Every year, families experience serious debt when affected by illness, injury, loss of employment of the death of a main breadwinner.  Financial hardship on top of grief and stress will be hard to bear.

This is the sort of worry no one deserves.  Do not let this happen to you.  We all have a hard-wired instinct to protect the ones we love.  Therefore, it makes sense to make practical provisions, too.

Are you self-employed? Are you the sole income provider? Or, does your financial security depend on a joint income?

Then it’s vital to consider income protection to mitigate any potential for sudden loss of earnings.  Our advice is particularly appropriate and suitable for Contractors.  We understand the nature of your work flow and can offer you our best advice.

Income Protection – How it Works

Income protection insurance protects up to 70% of your gross income, both short and long term.

As whole of market advisers with access to a wide range of insurance products, Black Lion is here to help.

With a manageable monthly premium, should your claim be accepted you can receive a regular income for an agreed period.  Of course, this not only keeps a roof above your head (mortgage, bills etc), but also provides for other essentials, such as a loan or car payments.

Should your circumstances change suddenly, your insurance policy can become active as soon as you need it.  Moreover, it’s tax-free.  And, it can be paid alongside any company sick pay you may be entitled to.

Our Approach to Income Protection Insurance

We’re here to share our knowledge with you.

After an in-depth fact find – confirming what you already have in place, for example – – we’ll do our research of the products available and present the most appropriate choices.

You’ll be able to make your own informed decisions in your own time.

We want to help you find the best value income protection insurance cover at the right price. One that doesn’t cut corners, but which could be the life line you need.

Payment Protection Insurance is Optional

Please be aware that there are other providers of payment protection insurance, as well as other products that could protect you against loss of income.

For impartial information about insurance, please visit www.moneyadviceservice.co.uk

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