Income Protection Insurance

If you are considering your life insurance options, then our team at Unity Life can help.

Being unable to work due to an accident or illness can cause a lot of stress and worry. If you do not have any savings or other financial plan in place, you could find yourself in financial hardship. Here at Unity Life, we provide income protection insurance to help individuals and families keep ticking along. You can rely on this policy if you are signed off work for a health-related problem or a mental health issue.

To find out more information, give our friendly team a call on 0203 475 1285.

What is Income Protection Insurance?

As mentioned above, this policy is available for individuals who need cover if they are unable to work for a variety of reasons. There are plenty of families up and down the country who do not have savings to rely on, or cannot get a helping hand from relatives. This is where our team at Unity Life come into the picture. We will devise a plan, taking into account your salary and outgoings.

There are generally two types of income protection insurance, and they include short-term income protection and long-term income protection. Below, we will describe the differences between them, helping you get an idea of which you may need.

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Short-Term Income Protection

Also known as Accident, Sickness and Unemployment (ASU), short-term income protection policies can cover day-to-day costs after your income is lost. If you select this option, the insurance is likely to pay out for one, two or five years rather than a longer term. There are multiple policies for short-team protection, so please get in touch with one of our friendly team to find out more.

Long-Term Income Protection

This option differs in that it acts as cover for a longer period of time if you are unable to work due to a disability or an illness. It will provide you with an income for the duration of the policy or when you are well enough to get back to work. It is worth mentioning that a long-term income protection arrangement will not act as income if you have been made redundant or are unemployed.

Generally, there are two types of policies known as ‘own occupation’ and ‘working tasks’, but our team at Unity Life will be able to explain the details and help you make the right choice.

Why Choose Unity Life for Income Protection Insurance?

It can be daunting shopping around for insurance policies, but here at Unity Life, we provide friendly and professional advice. We have amassed 15 years of experience in the financial services sector, so you can rest assured that we have the knowledge to help. With regards to income protection insurance, it is an important policy for those of you who do not have savings to fall back on.

We want to make sure that you are picking the right policy for your situation, which is why we treat each customer individually. We tailor our plans to reflect your needs and suit your circumstances, and you will struggle to find another company that matches our quality service. Other reasons to choose our company include:

  • Honest and Impartial Advice
  • Access to Large Network of Insurance Providers
  • The Best Prices on the Market
  • Arrange Your Policy in Only 15 Minutes

There may be brokers that will lead you astray, but you can expect honest and transparent advice from us. We offer fee-free independent advice to review existing and new policies. So, if you would like to discuss your current plan, we can arrange either a face-to-face meeting or talk over the telephone; it is entirely up to you.

Contact Us Today

If you would like to learn more information about our income protection insurance policies, then do not hesitate to contact a member of the Unity Life team. Our experts are always available to lend a helping hand.

We can be reached by calling 0203 475 1285, or you can send an email to info@unitylife.co.uk.