Income protection

When unforeseen circumstances prevent you from working, your financial security shouldn’t be at risk. That’s where Income Protection comes in. It’s not just about protecting your pay check; it’s about safeguarding your lifestyle and peace of mind. Imagine if you were unable to work due to disability or ill health. How would you manage your bills, mortgage, or daily expenses? Income Protection offers a safety net by providing you with a monthly benefit to cover your essential costs.

Unlike short-term policies that provide temporary relief, Income Protection offers long-term support. With a longer benefit period, it ensures that you receive a tax-free income until you recover or reach your specified retirement age after a deferment period. This means you can focus on your recovery without worrying about financial strain.

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Financial stability during challenging times

Understanding the extent of coverage you need is crucial when it comes to Income Protection. While the maximum cover typically ranges between 50-70% of your gross income, the benefit is paid tax-free, allowing you to replace a significant portion of your income in the event of long-term incapacity. This means you can maintain your standard of living and meet your financial obligations without added tax burdens.

At Mortgage Simplicity, we specialise in tailoring Income Protection plans to suit your unique circumstances and needs. Our experienced team will conduct a thorough overview of your protection requirements to ensure that you’re fully covered and prepared for any unforeseen challenges that may arise. Whether you’re an individual seeking personal income protection or a business owner looking to safeguard your employees, we offer a range of comprehensive solutions from leading insurers.

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