Individual Income Protection

If you are visiting this page you will already have realised the importance of considering income protection insurance!

It is possible for people to overestimate the amount of State help they will receive if they are taken ill - you can find the current state benefit levels here:

• Employed - Statutory Sick Pay (SSP)
• Self-employed - Employment Support Allowance (ESA)

So there is some provision from the State, but it is limited.

With an Individual Income Replacement Plan from Wiltshire Friendly, you can receive a payment to replace a part of your lost income should you be unable to work because of illness or an injury.  This will make sure that you are personally protected to a level that suits you.  And you could get a little bit extra too as you will see below!

It’s up to you to choose a level of cover to suit your budget. Here is an example, just to show it might be more affordable than you think.

A 30-year-old non-smoker could receive a monthly income, after an initial 1 week waiting period, of £1,000 for an initial cost of £30 per month (subject to terms and conditions). That cost rises later as your age increases, though by then you will hopefully be earning more to meet that additional cost.

If this makes you interested to find out more you can read about the finer details in the documents below.  However, income protection comes with lots of options, so it’s best to talk to an adviser so they can build you a plan that’s right for you.

To find one, either contact us to talk things through or click here:

• Unbiased.co.uk