To make sure that you’re properly protected against the worst of rainy days and ensure that you avoid the potential pitfalls and don’t pay over the odds for your policy, simply follow the process shown below.
- Know your income and essential expenditure
- Find out the length of your sick pay entitlement
- Work out how long your savings would last if you have no income
- Read our Income Protection guide
- Write down any questions you have
- Speak to an independent expert IP adviser
- Carefully consider the no obligation quotations they will provide If you then want to protect your income…….
- Complete an application though your adviser*
*This avoids the risk of non-disclosure, the main reason for claim refusal, and gives you a right of complaint in the unlikely event that a claim is declined