Long Term Income Protection

Lifebroker believes that everyone that has an income should have it protected with Income Protection Insurance. Many Financial Advisers (IFA's) have neglected this key area of protection. Lifebroker cannot express strongly enough how important this type of policy is to a family's lifestyle.

Long Term Income Protection should be viewed as an essential part of any protection package - without an income you cannot live.

Do you know what the Government provide if you are off work due to incapacity? Check out the Direct Gov site for yourself.

Let Lifebroker tell you the facts:

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If you cannot work due to illness or injury you will be entitled to Incapacity Benefit.

With Incapacity Benefit you will receive the following:

First 28 weeks you will get £293.58 per month

Weeks 29 - 52 you will get £347.32 per month

From week 53 onwards you will get £389.13 per month

Concerned - What are you going to do?

Speak with your employer to clarify exactly what statutory sick pay you will receive if you could not work due to illness or injury (For example, you may find that you would get sick pay for 3 or 6 months).

Get a quote from Lifebroker that is tailored around your statutory sick pay. (For example, if you find that you have sick pay for 3 months - then you could get a quote for income protection with a waiting period of 3 months). This will keep the cost of the income protection policy to a minimum and save you lots of money over the term of the policy.

Long Term Income Protection Features

• Cover up to 65% of your income
• Selection of waiting periods (how long you are unable to work before payments start)
• Choice of benefit period (how long you are paid for when on claim)
• Indexation can be selected (this ensures that the income benefit maintains it s real value)