Trusted Income Protection Advisor in Hockley | Mortgage Route Advisor
Protect your income with professional protection advice. Let's secure your 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 prioritise the importance of protecting your income, which is why I offer free professional independent advice on Income Protection.
My underwritten prices provide peace of mind, with no unexpected price increases down the line. I aim to make the process simple and stress-free by explaining complex jargon in easy-to-understand terms during online appointments.
By choosing me, you can save time and trust that my advice will always be reliable, empathetic, and dedicated to finding the best income protection solution for you.
- Free Expert Protection Advice
- Access To Whole Of Market
- Underwritten Prices Quoted
- Convenient Online Meetings Available
- Jargon Explained Simply
Hire Reliable Protection Advisor in Hockley for Income Protection
Income protection is the key to securing your financial future, and at Mortgage Route Advisor, I grasp the significance of having a safety net in place.
My tailored protection plans are crafted to meet your personal needs, providing you with the peace of mind that comes from knowing you are covered in the event of unforeseen circumstances. With flexible terms and expert advice, I make certain that your policy fits your budget and lifestyle seamlessly.
Imagine your income as a sturdy ship sailing through the unpredictable waters of life. Just like a ship needs a reliable compass to steer it in the right direction, you need income protection to guide you through unexpected challenges. Whether it’s an illness or injury, having a solid protection plan in place can help you weather the storm and stay afloat financially. My advice is here to offer you the support and guidance you need to make sure that your financial ship stays on course.
Statistics show that a large percentage of individuals are unprepared for financial emergencies, leaving them vulnerable to financial instability. By investing in income protection, you are taking proactive steps to safeguard your finances and protect your loved ones.
My personalised approach to protection planning allows me to tailor a policy that suits your unique circumstances, giving you the confidence to face the future with certainty. Let me help you sail the waters of financial security and ensure that you have a solid foundation to build upon.