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Income Protection

People are often unaware of the financial effects long term illness or disability can create and the impact that this might have on their income.

That is why at Bluecygnet we will assist you to find cover to help cope with the consequence of a serious long term illness. Without an adequate regular income you could be risking your home, your car, the standard of living to which you have become accustomed.

The aim of Income Protection or "Income replacement policies" as they are often called are intended to provide you with a regular monthly income if you are unable to work because of ill health and this result in loss of earnings. Income Protection policies will continue to pay out until your chosen retirement age.

Policies that pay for a shorter period are called Accident & Sickness policies which can provide unemployment if required.

There are also friendly societies who offer simple policies to cover just "Bills & Things" which can be taken out up till the age of 60. Other Friendly Societies (not general insurers) have policies which will give a maximum of 65% of your gross salary. This amount will vary from insurer to insurer ranging from 50% to a maximum of 65% of gross salary.

To help us get the best quote suiting your circumstances please complete our income protection form and we will send you details with the most appropriate cover for your occupation and/or income level.

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