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Income Protection provides for a maximum of 75% of an individual's gross income. Illness or accident can have a disastrous affect on the home, especially if the breadwinner has a family to support, and even worse if they are in debt. Rent or mortgage payments, credit card debt, car repayments and other expenses still have to be met when a person is disabled and the income ceases. Self-employed individuals, particularly, have the greatest need for Income Protection to ensure a disability does not result in them losing their income. Insurers have responded with policies that insure not only the self-employed person's income but their business overheads as well. Even if you are employed you still need income protection. Many people insure their home and car. However their income, an asset potentially worth millions of pounds over their working life is often left uninsured. This product was created to fill this gap. Over the past decade it has been one of the fastest growing insurance products throughout the western world. The definition of disability is vital when considering this policy will determine whether or not the insurer will pay the claim. Therefore, pricing isn't the most important factor when searching for the right policy.
Further more we offer these products chosen from the major providers and then discount the repayments with a portion of our normal commission. The end result is that you, the client, should be getting the best value for money policies available in the UK.
We are able to provide the best products through Great Britain, namely England, Scotland and Wales. On most of our products we are also able in most cases to provide them internationally.
Disclaimer: Information is for guidance purposes only. If you are in any doubt as to the suitability of the contracts offered please consult an independent financial adviser. PIA do not regulate mortgage protection and not all forms of critical illness insurance and income protection products.