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What is Income Protection?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age). This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

Eligibility

Who is it for?

This type of plan is designed for anyone whom is working (employed or self employed). It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have. As Advisors we can help you find the plan that best meets your requirements.

Need protection advice?

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Mortgages comes in all different shapes and sizes and which one to choose depends on your circumstances. We can help find the right one for you.

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FAQs

FAQs for protection and insurance

Some of the common questions on insurance and protection.

  • 01. What does protection cover?

    Protection plans can cover a wide range of situations! Contact LJ Financial and we'll walk you through which protection policies are most appropriate and valuable for you. Depending on your circumstances, this could include mortgage protection, income protection, home insurance, company protection, landlords insurance, and much more.

  • 02. How much cover can I get?

    This is determined by a variety of factors, the most important of which is your monthly premium budget. Speak with a LJ Financial advisor who will go over everything with you to find the best policy for you and your family.

  • 03. Do I need to have protection in place?

    No, not at all! Protection goods are designed to safeguard you, your property, your family, and your business. They give you peace of mind by ensuring that you are fully insured in the case of an unforeseen life event. If you have a mortgage, the only insurance you need is building insurance.

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