Income Protection schemes safeguard the well-being of an employee by providing a replacement income in the event of long term absence from work due to illness or injury.

Whether you are an individual looking to protect yourself financially or an employer looking for a group scheme that will protect the financial interests of your employees, we can advise on the different schemes available and which suits your individual circumstances.

Long term illness or injury can pose a real challenge whether you are a private individual, sole trader, contract worker or employer. We can help you plan for the future and put a safety net in place should the unexpected happen, providing invaluable support at a time of need.

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse and the policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.