Many people would struggle to get by if they had to take a month or more off work due to sickness or disability. According to a study by Legal & General, two in five households have less than £1,000 in savings and one in five have no savings at all.
Income Protection Insurance is designed to provide a financial safety net in these circumstances. With an Income Protection policy in place, you can receive a regular income in conjunction with statutory sick pay to help minimise any financial shortfall and allow you to focus on your recovery.
Sick Pay Cover – as it’s more colloquially known – usually pays out between one-half and two-thirds of a covered person’s income.
You can find out whether Income Protection Insurance is right for you by arranging a free consultation with Engage Wealth Management’s independent financial advisers. We’ll also present tailored quotes from across the market so you can see how much it would cost before making a decision.
Arrange a free discovery call with our FCA-regulated income protection specialists to find out how we can help: [email protected] or 01273 076587
By booking a call with one of our advisers, you can speed up the process of finding out if Income Protection can provide the financial protection you require at an affordable price.
We are independent, meaning we can normally source the most competitive terms on the market. We don’t charge for our advice, as we’re paid by the insurance companies should your policy go ahead.
You’ll have as much time as you need to pose questions and get all the information you need before making a decision.
We’ll start by sitting down and discussing the reasons why you want income protection insurance. How would a loss of income affect your lifestyle? And what level of protection would give you peace of mind?
You’ll have plenty of opportunity to quiz our experts about how the policy works and learn more about the support we offer.
Once you’ve decided to proceed and we’ve determined how much cover you’ll need and for how long, we’ll start sourcing quotes from insurers and evaluating the options available.
As independent financial advisers, we can often negotiate better terms than would ordinarily be available. You’ll receive a recommendation based on our in-depth knowledge of the income protection market.
You will be given as much time as you need to make a decision and we’ll be there to answer any further questions you have about the policy.
Once you’ve decided to buy the policy, we’ll set it up with the insurer on your behalf and take care of all the paperwork. We’ll also support you throughout the underwriting process.
We’ll be on-hand to provide assistance throughout the life of your policy, including helping with claims, should you need it.
You can contact us whenever you wish to review your policy and make sure it still matches your needs.
"Oliver was incredibly knowledgeable on the variety of income protection available and really helped explain them without confusing me... Nothing could have gone smoother..."
As well as being experienced in arranging Income Protection Insurance for clients, our advisers carry all the relevant industry qualifications, including the Diploma for Financial Advisers (DipFA) and Diploma in Financial Planning (DipPFS) from LIBF and the CII respectively. Our advisers also hold qualifications in mortgages, equity release, long-term care and Pension Transfer Specialist (PTS) qualifications.
The many positive comments and reviews we regularly receive from our clients is perhaps the best evidence of our expertise in helping people get appropriate income protection cover.
“Prior to owning my own home I wanted to make sure that I had sufficient life insurance and income protection in place to financially protect my family should the worst happen…
“Oliver was incredibly knowledgeable on the variety of income protection available and really helped explain them without confusing me… Nothing could have gone smoother or been explained any clearer, really happy with the service I received.”
Engage Wealth Management featured in VouchedFor’s Top Rated Financial Adviser Guide, as published in The Times and The Telegraph. We’ve also featured in Sussex Business Times (SBT), Citywire, Financial Planner Life podcast and Fund Your Retirement podcast.
Are you looking to find affordable Income Protection Insurance? Contact our professional advisers at Engage Wealth Management via the contact form below.
Engage Wealth Management is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales Company no. 13010558 Registered Office: 1a City Gate, 185 Dyke Road, Hove BN3 1TL FCA Firm Number: 942618 To visit the FCA consumer website, The Money Advice Service please click here https://www.moneyadviceservice.org.uk/en. To visit the Financial Ombudsman Service, please click here https://www.financial-ombudsman.org.uk/
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