Income Protection Quote
Income
Protection Quote
Income protection insurance is a form of long term illness protection insurance. An income protection policy pays out a tax-free monthly income directly to you if you are unable to work due to sickness or injury.
Fill in your requirements and receive a personal income protection quote comparing all market leading insurers.
Health Insurance
Life Insurance
Income Protection
Critical Illness Cover
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Monthly tax free payments of up to 65% of your gross earnings paid direct. |
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Level and length of cover can be tailored to your specific requirements |
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Peace of mind knowing your income is protected against illness or injury. |
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Multiple claims can be made over the term of the policy.
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Quote Factors |
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Age
The older you are the more expensive the premiums will be due to the increasing risk with age of suffering an illness rendering you unable to work for a prolonged period.
Smoker
Due to the health risks associated with smoking, if you have smoked tobacco in the past 12 months the income protection quote will have inflated premiums to take account of the increased likelihood of suffering an illness and having to claim on the policy.
Pre-existing conditions
Existing medical conditions will either result in uprated premiums to take account of the additional risk or exclusions being made on the income protection quotes.
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Changing the monthly benefit
The monthly benefit is the monthly tax free cash you would receive in the event of a claim. Increasing the monthly benefit will see an increase in the protection quotes.
Most income protection providers will quote up to 65% of your annual gross income as a benefit.
Changing the age cover ceases
The older you wish to quote the age cover ceases the more expensive the policy premiums will be. When quoting the providers take into account the increasing risk with age of suffering an illness leaving you unfit to work for a considerable length of time.
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Changing the deferred period
For an income protection insurance quote you will be required to select a deferred period, tending to be anywhere from 4 weeks to 52 weeks.
The greater the deferred period the less expensive the income protection permiums will be as you would have to be unable to work for an increasing length of time to claim on the policy.
Indexation - Retail Price Index (RPI)
Indexation option sees the the level of cover quoted today increase inline with the retail price index (RPI) throughout the term of the policy. Including indexation ensures your level of cover rises over time with inflation and you can expect to pay a little extra for this benefit.
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