Income Protection
Income protection made easier to match your unique situation.
Financial advice to protect your income.
The untimely passing of an individual can have devastating financial consequences on those left behind. The good news is that it is possible to plan for these eventualities and to insure against such risks. Our team can help you get set up with income protection that matches your unique situation.
some Of The material financial exposures that can arise:
The outstanding balance on your mortgage (or other loans) will become due
Expensive rent payments may not be affordable going forward
Inheritance tax bills may arise on the death of an individual
Your earnings (employee or self-employed), that perhaps keep the household going, will cease
If your business partner dies, you may be unable to afford to buy out their share of the business from their widow(er)
Some oF the Benefits of income protection:
Tax relief may be available on the premiums
The proceeds may be tax-free to your family and friends
The premiums can be surprisingly affordable – especially if you arrange the cover when you are younger and healthier
You Can Trust
Financial Health.
Our team of experts are independent and impartial, meaning you’ll always get the best advice and deals. With guidance from trustworthy coaches, you'll build confidence in your financial future.
Independent & Impartial Advice
We work for you – not an insurance company! Unlike insurance staff, we’re free to recommend the best options for you from each of the financial providers we work with.
Tax Efficiency
Getting income protection in a tax efficient way is very important and we can recommend the best approaches available for each client. Don’t let your cover be offset by costs that could have been minimised or avoided.
As impartial advisors, we are not “tied” to any particular provider or in-house products. We will help you allocate funds among various investment vehicles to help you reach your financial goals.
Ongoing Open Communications
When you give us the relevant initial information, we’ll come back quickly with our indications on what cover you should consider and what the monthly cost is likely to be. Once agreed, we can then move on quickly arranging everything on your behalf.
“Individuals with the highest level of educational attainment eg ‘third level degree or higher’ continued to have the highest real median equivalised disposable income.”
