Independent Insurance and Health & Protection Advisors 
01234 419999 
Income Protection Insurance pays you a regular income if you can't work because of an illness or a disability and will continue until you return to paid work or you go on to retire. 
Income Protection means you are able to maintain a regular income while you cannot work. 
It not only protects you and your family if you cannot work, but it also pays out if you suffer with mental health issues. 
Protection can mean many things, but we’re not talking about bodyguards, deodorant, or safe sex here; we’re talking about financially protecting you and your family against the unknown. Nobody knows what the future holds, so it’s important that we all consider the risks and are financially prepared if things take a sudden turn for the worst. 
None of us like to think about the real reasons we need life insurance, but could your family cope financially if the worst happened to you? Read on to find out how life insurance really works, and how important it is to get the right cover for your personal circumstances. 
With life insurance, you pay a monthly or yearly premium (fee) to the provider of the cover (the insurer). If you subsequently die during the term (duration) of the policy, the sum assured (a lump sum of money, the amount of which is defined when you take the policy out) is paid out to your beneficiaries (named recipients of the payout; usually your family). 
This payout can then be used by your family to pay off outstanding mortgages, bills, and other expenses which they might otherwise struggle to settle now that you’re no longer around and the family income has drastically reduced. 
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