Income Protection

Income Protection Insurance is the one personal protection product every working adult should consider – Which, 2019

Income protection is an insurance policy which provides you with a regular income if you can't work because of illness or disability. The benefit paid is up to a maximum percentage of your earnings - often 50% or 60%, although this varies from provider to provider.

Policies pay out after you have been off work for a period of time (known as the 'deferred period'), and will continue to pay out until you can get back to work or until the end of the policy term.

You can commonly choose a deferred period of 4, 13, 26 or 52 weeks, depending on how long you may be able to survive on any savings or how long you receive sick pay from your employer.

 

How much will it cost?


Your plan will be tailored to your needs and requirements and set to be an affordable amount to suit your budget. Your RSC adviser will be able to explain what is available, guide you through the options and answer your questions. You will be provided with a free personal consultation and all relevant documentation to help you make informed decisions from the recommendations.  

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Speak to one of our dedicated team of advisors to discuss your options.

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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

If we arrange a mortgage on a property from one of our associated new homes developers we will waive our fee, otherwise there may be a fee for mortgage advice. The actual amount you pay is dependent upon the amount of research and administration that is required and a typical fee is £295 which would become payable on application. We will also receive commission from the lender in addition to any fees you pay.