Trusted Income Protection Services | Mortgage Route Advisor
Protecting Your Income, One Route at a Time. Let's safeguard your financial future together. Book your free consultation now!
What Is Income Protection Cover?
Income protection insurance, provides a steady income if you’re unable to work due to illness or disability.
This financial support continues until you’re fit to return to work or reach retirement age (depending on the term you choose)
While the income replacement doesn’t match your pre-illness earnings precisely, typically ranging from half to two-thirds of your pre-tax income, the payments made from your income protection policy are tax-free.
There’s usually a minimum waiting period of four weeks before payments commence, but they can begin up to two years after you stop working. When taking out your policy you can choose how long before payments commence, generally speaking self employed people tend to choose the shortest deferred period. This delay accounts for potential employer sick pay or statutory sick pay covering the initial period of illness. The longer the initial deferred period is generally means the monthly cost will be cheaper.
It’s essential to compare income protection insurance with other options like critical illness cover to ensure you choose the most suitable coverage for your needs.
At Mortgage Route Advisor, I recognise the importance of protecting your income in times of uncertainty.
With my Income Protection services, I am here to help you safeguard your financial stability by providing personalised advice and guidance.
Whether you’re self-employed or employed, my empathetic advice will for you to find the right protection plan that suits your needs.
I am dedicated to being a reliable partner in ensuring that you have the necessary support in place to weather any unforeseen circumstances that may impact your income.
How Much Do I Charge?
Nothing. I am a 100% free mortgage and protection advisor. You will never have to pay me a penny.
Appointemnts
All my appointments can be completed over Zoom or Teams, with weekend and evenings available.
Confidence
You can have confidence that you are receiving professional advice, and getting the right policy that meets your needs
Support
I always make myself available to answer questions throughout the process. No question is stupid and I am here to help.
Safeguarding Your Financial Security with Income Protection
Income Protection is like a safety net, ensuring that you and your loved ones are protected in times of uncertainty.
Just like a sturdy umbrella shields you from the rain, Income Protection shields your finances from unexpected storms. It provides a steady stream of income if you’re unable to work due to illness or injury, giving you peace of mind and financial stability.
At Mortgage Route Advisor, I recognise the significance of securing your financial future. I believe that Income Protection is an essential aspect of any all-encompassing financial plan. It’s like a guardian angel, watching over you and your finances, ready to step in and support you when you need it most. By having Income Protection in place, you can focus on your recovery without having to worry about how you’ll cover your bills and expenses.
My mission is to demystify the world of insurance and financial jargon, making it easy for you to understand your options and make informed decisions.
I am here to guide you through the process of choosing the right Income Protection plan for your needs. Think of me as your trusted advisor, dedicated to helping you navigate the complex landscape of financial protection. Let me help you safeguard your financial security and protect what matters most.