INCOME REPLACEMENT

Protect your greatest biggest asset now with Income Replacement Insurance by providing us with full information to quote alternatives or request a call at a time to suit you by completing the QUICK CONTACT FORM below.

• Income Replacement – Insures your Greatest Asset, not you home but the means (your income) to buy anything, another home or a loaf of bread, they are all bought from income, so insure your greatest asset.
• We more likely to be off work for 6 months or more than we are likely to die before age 65 years
• Would your family survive on what your employer or business with SSP or DWP or DSS provide for 6 months?  The state will not help with a mortgage for the first nine 9 months of any claim.
• Income Replacement for white collar professionals is always open to quotation and broking but can arguably be ‘expensive’ so we quote from the whole of the market to get the best deals
• But, for manual trades and blue collar workers many insurance companies discriminate against their job description and work activity, except that is, The Sick Pay Club
• Sick Pay UK has only one rate card for males or females and membership is fully underwritten
• Rather than ‘load’ certain ‘jobs’ Sick Pay excludes only Armed Forces Personnel – Divers – Underground Miners – Oil Rig Workers – Professional & Semi Professional Sports – Night Club Security Personnel – Police Officers – Fire fighters – Pilots & Flight Crew – Some Equestrian Professionals.
• Special consideration is even given to Off-shore Fishermen/Trawler men

Choose your advisor carefully – a broker has a responsibility to you the consumer to give advice, usually from the whole of the market so avoid bank or provider advisors like the plague because they can only and will only tell you about their own (the bank or provider) products and if you ended up being sold a pup they have a defense but a broker does not – as so will make sure you are properly advised.

Here to help you

Please ask any question in total confidence

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.