Income Protection

We all insure our cars and homes, but we don't always look after what pays for them… our income. How would you pay the bills if you were sick or accidently injured and couldn't work? Income protection can be straightforward, simple to arrange and bespoke to your needs.

Did you know 90% of insurance claims are paid out?

Income Protection cover can provide:

An income to help replace any loss of earnings due to ill health or accidental injury
Continued benefits if you go back to work in a reduced capacity, with a reduced salary
Tax-free payments under the current rules, tax year 2016/17, although this might change in the future

Income Protection Insurance is designed to typically protect up to 70% of your gross salary if you are unable to work due to accident or sickness and, in some cases, unemployment. It can cover a wide range of situations and has the potential to pay out for many years.

Accident, Sickness and Unemployment Cover (ASU) covers your monthly mortgage payments and certain related costs for a specified period of time (usually up to two years) if you are suddenly unable to work due to an accident, sickness or involuntary unemployment.

You should think carefully about how you would cover your monthly mortgage payments and other outgoings if you couldn't work.

At Michael Chandler Insurance we can talk you through the options available from our panel of insurers and advise on the right policy for you. This will give you peace of mind to know you're making the right choice.

"In the UK 2.2 million people of working age will be off work for at least 6 months at any one time through sickness and disability"

Source: The Department for Work and Pensions - 12th June 2016

"More than 3.2 million people in the UK are claiming Disability Living Allowance."

Source: The Department for Work and Pensions - 13th May 2016

"4 in 5 cancer patients are hit with an average cost of £570 per month as a result of their illness."

Source: Bright Grey - Royal London Group - 15 July 2016

"More than 1,346 people will die today in the UK"

Source: The Department for Work and Pensions - 17th June 2016

"In the UK more than 1.57 million people are claiming Jobseekers Allowance."

Source: The Department for Work and Pensions - 20th July 2016

"In the UK today more than 2.56 million people are claiming Incapacity Benefit/Allowance."

Source: The Department for Work and Pensions - 28th August 2016

Thank you for trusting us to protect your financial future.

We will now review your information and spend time matching the best protection products from a range of insurers to your circumstances. Laura will be in touch soon with her recommendations and to chat through different options to ensure you get the best advice possible.

If you would like to contact her directly please call 02890 450 550 (option 3) or 07580 985 107.

Income Protection Insurance Quotation

Please complete the form below to receive a quote that is tailored to your requirements. One of our advisors will call you shortly

What would you like cover for?

Long term sickness

Accident Sickness & Unemployment

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Last Name

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Data protection principles

Data Protection Declaration

Michael Chandler Insurance Choices and First Complete Ltd will process all information in accordance with the Data Protection Act 1998 and it will be treated as private and confidential now and in the future. The only exceptions to this will be when the law requires us to disclose information or, with your consent, where disclosure is necessary when arranging or servicing your mortgage or protection contracts.

To fulfil our regulatory obligations, we will retain copies of your records for no longer than is necessary or for the duration of any contract you may enter into. You have the right to inspect these records at any time.

Our Future Relationship

Our ongoing business relationship with you is important and we would like to be able to contact you by telephone, post or email from time to time to review your mortgage and associated protection product arrangements and introduce other services that may be of interest to you from ourselves or our associated companies.

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Income Protection cover can provide:

Thank you for trusting us to protect your financial future.

Income Protection Insurance Quotation

What would you like cover for?

Your details

Data Protection Declaration

Our Future Relationship

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