Income Protection
Planning for uncertain times is beneficial, especially in today’s economic climate. If you’re considering income protection, the team at APH Financial are here to guide you smoothly through the process.
What is Income Protection?
Income protection provides a regular monthly payment if you’re unable to work due to illness or injury. It typically replaces a percentage of your salary until you can return to work or reach retirement age. Premiums depend on your occupation, age, health, and chosen benefit period, helping maintain financial stability during extended absences.
Income Protection, Be Worry Free
Planning for uncertain times is beneficial, especially in today’s economic climate. If you’re considering income protection, the team at APH Financial are here to guide you smoothly through the process.
Income Protection Explained
The chances of passing away prior to retirement are much less than being off work with sickness or injury. Whilst none of us particularly enjoy thinking about such negative scenarios, if you consider income protection now, you could potentially be extremely thankful later. This type of policy covers you if you’re sick or injured and need to take time away from work. Isn’t it beneficial to recovery to have less stress, especially knowing bills are covered?
We’re Income Protection Experts
It’s fundamental you take advice on income protection as this is potentially one of the most important insurances you’ll ever purchase. If you don’t yet have a policy, what provisions have you made in the event you can’t attend work for a period of time? At APH Financial we understand budget constraints and have access to some of the very best policies available. Knowing your wages are protected throughout sickness and injury is less of a worry than being unable to earn
How Does Income Protection Work?
With numbers soaring above one million in lost working days every year in the UK, income protection makes perfect sense. Covering essential outgoings this level of financial security is highly valuable. We’ll help build a policy around your circumstances. Protect just your mortgage or alternatively, rent payments to every penny of your income, it really is that flexible. It’s also up to you how long cover remains in place as is the length your policy pays out.
It’s so important to view income protection as an essential outgoing. Without this in place, how are you going to afford any single one essential outgoing? Book an online appointment with our team today. We’re happy to conduct appointments via telephone and video calls.
Income Protection Terms
If you’re self-employed or working part-time, income protection is available. It’s important not to confuse this type of policy with PPI as they are both very different. Unfortunately, the terms attached to PPI were not abundantly clear during the sales process, hence so many refunds have been claimed. Income protection gives much wider coverage for illness and injury. From primary carers to contractors and more we have a solution to suit. Because we have access to a wide range of insurers in excess of those you’ll personally find, we’re able to find you the right policy.
We know there’s access to state benefits but unfortunately these are often subject to change. It’s also not a guarantee that sickness benefits will cover mortgage or rent payments, leaving you with a shortfall in paying additional bills.
You are just one call away.
Solve your mortgage and protection needs by getting in touch with APH Financial.
- EXCELLENT
- reviews
What Our Clients Say
APH provide an excellent service. We are grateful for their continued help and guidance (we have been supported by APH for over 10 years now). Bianca who assists us is superb, she is easy to contact, friendly and relatable. Highly recommend APH.
Emma Payne the same upttuhv
Outstanding Mortgage Advisor – Highly Recommended
I cannot recommend James highly enough. From the very beginning, he has gone above and beyond in helping me with all my mortgage applications and all related queries. His professionalism, attention to detail, and responsiveness have made the entire process smooth and stress-free.
What really stood out was the level of personal care he provided – nothing was ever too much trouble, and he always took the time to explain everything clearly and ensure I was comfortable at each stage. It’s rare to find someone so committed to providing such a high standard of service.
If you’re looking for a mortgage advisor who is knowledgeable, reliable, and truly has your best interests at heart, then look no further. A five-star service from start to finish!
martin reader
I’ve recently used APH for my first mortgage. James was my advisor and he was excellent from the start. He explained all the mortgage options really clearly, which made me feel assured I was choosing the right one for me. He had also researched and then explained different protection insurances, that I had not even considered before, and arranged for all these to be put in place for completion. I cannot thank James enough!
Harry Race
Me and my partner have recently used APH to sort our new mortgage while moving house and they have made the process as easy as possible! James explains it all extremely well making a sometimes confusing process easy. Becky also worked tirelessly to update our mortgage and complete in the needed timescale. Would highly recommend.