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Income Protection Insurance.
So, what is income protection? Income protection insurance pays out an income if you're unable to work because of illness or injury. Income protection insurance aims to put you back to the position you were in before you were unable to work. It pays a regular tax- free monthly income.
It does not, however, allow you to make a profit out of your misfortune. So the maximum amount of income you can replace through insurance is broadly the after-tax earnings you have lost less an adjustment for state benefits you can claim. This is usually translated into a maximum of 50% to 65% of your before-tax earnings.
There are general long-term income repayment policies designed to kick in between when your employer stops paying sick pay, and when you collect your pension. There are shorter-term policies to protect loans or other payments. These often start after a few weeks but tend to stop entirely after 12 months.
You need to have a very close look at the small print of any policy to make sure it will pay out when you want it to. Often the shorter-term policies have exclusions on areas such as stress related illness or back related illnesses. At Blue Moon, we ensure that any policy we recommend to our clients has been thoroughly explained and that any exclusions, or small print, are explained before you start any policy to ensure you know you are covered. We find that way is much better than you finding out at the point of claiming that you arent covered for whatever reason.
For a no obligation insurance quote simply give one of our advisers a call, free, on 08000 11 20 21. Or alternatively, please browse our site for more information on the various types of insurance we can provide. If what you want is not listed above, please call our friendly advisers who can guide you through the complicated world of Insurance.
The guidance contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK
Get in touch
We have friendly, qualified and experienced advisers on hand to help guide you through anything, from your first mortgage to insuring your family against the worst. You can call, email or even use Skype...
Is your home covered?
At Blue Moon Insurance, we are a Whole of Market broker and have the ability to find you the best deal. We can also ensure you get the right policy, to ensure, should the worst happen, you are fully covered...
At Blue Moon we are committed to ensuring the best deal for you, as well as the right policy. We invest in the latest software and staff training to ensure we are always up to date with the latest deals...
Protect your Family
Do you want advice on covering yourself? If the worst should happen, wouldn't it be comforting to know that your family are covered financially? Click here to see how we can help you, or call us, free, on 08000 11 20 21.
Protect Your Mortgage
Here at Blue Moon, we have unbias, experienced and friendly advisers who can help you get the best cover. Its worth insuring your mortgage payments as no matter what happens, keeping your up on your mortgage payments and keeping your home is important. Click here to see how we can help.
Protect Your Home
The fact is, you dont just need to insure your mortgage payments, you should also insure your home. Its not always wise to go for the cheapest cover you can find either. Click here to see how we can tailor your policies to ensure you get the best quality cover for the best price.