Articles & News On Insurance

Why Income Protection May Be The Insurance Of The Future

We currently live in a consumer society in which materialism runs riot, much to the delight of credit card and loans companies. More and more people are falling into debt today, and heavy debt at that, because we have to have certain objects and status symbols. If the income of a household is cut in half, or even in some cases eradicated, then it would be hard to cope with the financial loss, but income protection can prevent stress and anxiety if an individual were to be made redundant or have time off through sickness.

Financial advisers are advocating the benefits of income protection because they can prevent families falling even further into debt or finding that they can no longer make the repayments. For example, a working mum may earn two thirds of what the patriarch in the family earns but that sum may be just enough to keep the household above water. If she were suddenly become unable to work due to a long term illness or accident, then how on Earth would the family be able to eat, keep warm and even maintain the roof over their heads without her income? The solution could be income protection insurance?

Income protection does exactly what its name implies. Many companies will pay out in times of sickness in redundancy. However, the terms and conditions may vary greatly from income protection policy to income protection policy. Some will pay out the salary total for a period of time, whereas others will only guarantee 50 % of salary or ?1000 per months for a fixed period of time, which is usually twelve months.

Different forms of income protection will help different people so it is imperative that you take the time to find out what is available and what would best suit you before taking out a policy.

Simon Burgess is Managing Director of the award-winning British Insurance (http://www.britishinsurance.com), a specialist provider of low cost income payment protection insurance (PPI), mortgage payment protection insurance (MPPI) and loan payment protection insurance.

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