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How would you meet your family bills in the event of accident or sickness and being unable to work?

No matter how old you are, protecting your future is essential. If you lose your income you will have to personally fund your other monthly expenses such as food, credit cards, utility bills or council tax either from savings or debt, a fact that many people forget.
Income Protection provides you with a monthly tax free replacement income until you recover - right up to retirement date if needs be and the payout can be level or set to rise with inflation. There are many ways it is able to help:
Can replace a proportion of lost earnings (typically up to 60% of your gross earnings to a maximum of £120,000 per annum), meaning protection of some of your living expenses
Can provide cover for house persons, those engaged in full-time household duties.
Help to maintain your standard of living , offering peace of mind
Options available include: -
Deferred period from 1 day to 52 weeks
Split deferred periods, ideal for teachers etc
Level payments or increasing either with inflation or RPI or %

Q: Will the state benefit provide for me?
A: Yes it will, however it almost certainly will not be enough to provide you with the lifestyle you enjoy now
Q: What are the most common causes of claims?
A: Mental Illness (stress and depression), Musculoskeletal problems (muscle and bones including back pain), Heart Disease, Cancer.