Our income protection insurance policy

• One in three people in the UK aged between 25 - 34 have experienced unemployment for a period in excess of one month (DSS Stats 98). An income protection insurance policy would have helped them.
• Every day 500 people in the UK become unemployed. 60% of unemployed men and 45% of women will be out of work for more than 6 months
• Today, in the UK, 2,900 people will start claiming State Disability Benefits
• 1,800,000 people in Britain are already disabled and been unable to work for 12 months or more.
• Since 1995 new mortgage borrowers receive no state help for 9 months for unemployment or disability. After that help is only provided if they are on income support - 70% of applicants will not get income support due to savings, income, a working spouse or partner.

State Benefits

Are not generous. Currently for a single person they are less than £60 per week. For a family of 2 adults and 2 children it is £96 per week and the maximum is £134 per week.

Our income protection insurance policies can provide:

• A choice of unemployment only or accident/ sickness and unemployment
• Benefits paid on a back to day one basis
• Up to £1000 cover IN addition to a mortgage protection insurance policy.
• On-line applications : www.goodincomeprotection.co.uk for income protection and www.ukmortgagesafetynet.co.uk for mortgage protection

Rates

• Income protection insurance: Unemployment only £3.5%. Combined cover £5.5%
• Mortgage protection insurance: unemployment only £2.45% Combined cover £3.95%

Additional benefits

• mortgage protection insurance: 3 months free cover: a 25% uplift is available

landlords insurance