Do you want cover for your loss of income should you be unable to work due to an accident or sickness?
If you do not receive sickness benefit from your employer, or if you are self employed it is prudent to cover your loss of income - for the sake of both you and your family. When you are injured or ill, the last thing you want to worry about is how to pay the bills.
We have a range of products to suit the employed and self employed. We can provide quotations from a range of top insurers and advise you of the different covers and benefits available under each of the policies.
Typically, cover can include:-
- Death - lump sum
- Loss of one or two limbs - lump sum
- Loss of one or two eyes - lump sum
- Permanent Total Disablement - lump sum
- Temporary Total Disablement - weekly benefit
- Temporary Partial Disablement - weekly benefit
- Total and irrecoverable loss of sight in both eyes - lump sum
- Sickness - weekly benefit
A deferment period or waiting period will apply, which typically is one or two weeks - however this will vary depending on your occupation.
Frequently asked questions:-
I participate in a sport that can result in injury - can this be covered?
You need to advise us of the sports or hazardous activities that you participate in, so that we can ensure that this is not excluded by the policy wording, or if it is excluded we will ask underwriters to include it, if possible.
Is there a limit to how much I can insure for?
Yes - insurers will not usually offer cover for more than your net income so typically offer cover up to 75% of your gross income.
I have a medical history - can my condition be covered?
Agian, let us have details of your medical history and we will discuss your case with underwriters to endeavour to get it covered if possible.
I am a housewife and don't have an income, but in the event of illness or injury I would have to employ someone to look after the house or children, can I get cover?
Yes, most insurers realise that even though you don't have an income that it would cost your family a significant amount of money to pay someone to do the tasks that you normally undertakeRing Paul today on 0116 284 6098 for a quotation
or click here to make an enquiry