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Income Protection Insurance is an important insurance product for most people as it is designed to provide protection in the event of a loss of income caused by a long-term illness or injury.

How does the policy work?

If you are unable to work due to long-term illness or injury, your income protection insurance policy will pay out a tax free monthly income to help compensate for your loss of earnings. The maximum amount of benefit you can receive is based on a percentage of your gross earnings (usually around 50% of your pre-tax income).  These monthly payments will continue until you are fit enough to return to work or until the end of the policy term if you do not recover.

Most of us live from one payday to the next and we need this regular income to cover monthly commitments.  Even those who have savings could encounter financial hardship if they lose these regular payments for more than a couple of months.

If you are an employee and you fall ill, your employer might pay you your full pay for a few weeks or months.  After that, you would probably have to rely on state benefits and this is often when the real financial problems start.  This is where Income Protection Insurance comes in.

Income Protection Insurance can be tailored to suit your individual needs.  For example, it is possible to alter the period before the policy starts to pay out (known as the deferment period), how much the benefits are and how long they last.  Your premiums will vary based on these factors, so you need professional advice to ensure that the policy provides the cover you require at a price you can afford.

This type of cover will not pay out in the event of being made Redundant, but see our Mortgage Payment Protection Insurance section.

Income Protection Insurance is an important insurance product for most people as it is designed to provide protection in the event of a loss of income caused by a long-term illness or injury.

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Lauren JonesLauren Jones
08:56 03 May 23
We have used Lucie to help us with our mortgage on 3 properties now...and she is wonderful! We wouldn't ever want to... use anyone else and we would recommend to anyone.She is incredible knowledgeable and goes above and beyond to make sure were getting the best possible options.Thankyou again Lucie!xxread more
leo nepomucenoleo nepomuceno
10:26 02 May 23
Thank you is not enough to describe how grateful we are to Lucie Hart for helping us to get our mortgage in our first... home. You’ve been so nice and very helpful through the entire process. CFS is highly recommended.read more
Tomasz NikielTomasz Nikiel
19:31 15 Mar 23
Peter and Ian have helped arranging mortgages for me for many years. I cannot recommend their services enough. They are... always there to answer all questions as soon as possible, professional and friendly, ready to help in any situation no matter how complex. I always receive sound advice and best product possible. Arranging a mortgage with CFS is quick and stress free, they are absolutely brilliant!Thank you!read more
Katie TaylorKatie Taylor
20:30 01 Mar 23
I cannot recommend Central Financial Services enough. Peter and Ian have advised my husband and I on our finances for... over 8 years and they never let us down. Ian is very efficient and highly experienced too. Peter is professional and personable. I have previously recommended Central Financial Services to family, as well as friends, who have all had the exact same, seamless, efficient and excellent service and results.read more

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