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HOW DOES IT COVER?

An Income Protection policy will pay-out for almost any injuries, accidents, or illnesses that make you unable to work. For example, one of the most common claims is for back injury or depression.

There is no pre-defined list of qualifying conditions, so as soon as your GP deems you are unfit to work and signs you off, you may be able to start claiming straight away.

HOW DOES IT WORK?

You choose the amount of cover you require – think about your monthly outgoings and expenses as this is what you should be looking to cover yourself for – essentially it’ll replace your income whilst you are not earning money.

You choose the amount of coverage and also how long the protection would last for – this could be months or years. If you are 45 and want to be protected until retirement, you would choose a policy to run for 25 years, (until retirement at 70).

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