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Guernsey
Jersey
Isle of Man
Isle of Wight, UK
Income Protection
Our Income Protection can be tailored to include the following options:
- A monthly income that's sufficient to pay your mortgage,
rent or other essential expenditure and keep you afloat financially - The policy can be set to pay out when your employer sick-pay
provisions end - Different levels of cover are available and our advisers can help you
choose a product that gives you peace of mind at an affordable cost
The prospect of long-term ill health can be frightening and stressful, and it is something many people prefer not to think about until they are unfortunate enough to develop a health problem.
When this happens, one of the first things a lot of people worry about is money.
You may be lucky enough to have some short-term sickness provision from your employer,
but what happens if your ill health is likely to be prolonged?
If you have no provision from your employer or are self-employed,
how will you pay your bills?
Income Protection is designed to support you if you can’t work due to sickness or an injury.
This policy ensures that you continue to receive a regular income until you are able to
work or retire, so you can focus on looking after your health rather than
worrying about your finances.
Frequently Asked Questions
How much does Income Protection cost?
This depends on what level of cover you need along with your age, your medical history and whether you smoke. Once your adviser understands more about your circumstances and needs they will be able to provide you with an initial quote.
What is the maximum age that I can take out Income Protection?
Generally to take out Income Protection the maximum age you can be at the start of your policy is 59 and it would cease at your pension age. Once your adviser knows more about your circumstances they will be able to recommend a suitable policy to match your income needs.
What is Cherry Godfrey’s fee for reviewing my Income Protection?
Nothing at all! Our advisers are very happy to provide Income Protection advice free of charge, so please get in touch with them and find out how they can help you.
Am I still eligible for cover if I have a serious health condition?
Nothing at all! Our advisers are very happy to provide life Insurance advice free of charge, so please get in touch with them and find out how they can help you.
Am I still eligible for cover if I have a serious health condition?
In a lot of cases yes you could be. Your Income Protection application will be medically underwritten by the insurer and, although your policy could be more expensive or have certain exclusions attached, our advisers are often able to work with the insurance companies to find you a suitable policy. If you discuss your needs with one of our advisers they will be able to explain the options available to you.
