We understand the importance of your family and that you want to ensure you and they are taken care of in the event that you are incapacitated or unable to work due to sickness or accident. Town & Country Financial Advisers provide solutions according to the needs of you and your family. We understand as you go through the many stages of your life your situation changes and we are here to help you find the right solutions to meet your protection needs. We are experienced in analysing the market to help guide you to the most suitable product that suits your individual requirements. We are here to listen to your needs, offer advice and secure the right policy for you.

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    What is Income Protection?

    Income Protection an insurance policy, paying benefits to policyholders who are incapacitated and unable to work due to illness or accident. Income protection insurance is designed to pay part of your earnings in the event of illness or accidental injury. It is essentially to cover your outgoings if you become ill or have an accident that prevents you from working. You will receive a monthly benefit paid until you either return to work, the end of the policy term, or you die.

    Types of Income Protection

    Long Term Income Protection – This pays out until a fixed age, death or when you return to work. It is underwritten at the point of applying for the policy so you know exactly what you are covered for as well as any pre existing conditions you are not covered for.

    Short Term Income Protection – This will usually pay an agreed monthly amount during a short period (usually 12 months) if you are unable to work due to accident, sickness or redundancy.

    Accident, Sickness and Unemployment Cover – This ensures repayments will continue to be made in the event that you lose your income through an accident, sickness or unemployment.

    Most of these policies are time limited, so they will only pay out for a set period and they also carry certain restrictions.

    There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

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