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Income Protection and State Benefits

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Remember that state benefits will give only the absolute basic safety net as a payout, nothing more. Certainly not enough to maintain most people's standard of living and pay their bills. So when sick pay from work dries up, it is important to have another policy to fall back on.

For a relatively healthy person the monthly premium is less expensive than the average Sky TV package.

But remember that you should look for a policy that pays out on an Own Occupation definition. This means the policy will pay if you are too ill to do your own job. Some policies pay out on an Activities of Daily Living basis which means you have to take a series of work based tests so the insurance company can assess whether you should receive a payout. The Own Occupation definition is much clearer and much more likely to result in a payout, so go for a policy written with this in place.

LifeSearch can search the whole of the market for the best Income Protection policy to suit your individual circumstances at the best price with the right definitions. And we’ll be there to sort out all the paperwork for you and deal with the insurance company if you need to put in a claim.

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