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The following article was published in our article directory on December 1, 2020.
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How to Ensure You Are Getting the Right Income Protection Insurance

Article Category: Real Estate

Author Name: David Farrell

Getting the right income protection insurance helps ensure that your mortgage and other important expenses will continue to be paid in case you cannot work. This policy gives you peace of mind that your family�s needs would still be met even if you no longer are earning a paycheck.

If you think you might need this type of cover, it is best to consult with a financial adviser who will help you decide if it is the right choice for your needs. He will also help you estimate how much cover you need and find the appropriate policy that meets them.

How Much Do I Need?

Computing how much cover you need from income protection insurance is simple . All you have to do is add together all your debts plus any expenses you also want covered.

However, you may be able to cut down the cover you need by looking at what financial protection you already have. There are two major sources available to you:

State benefits
Workplace benefits

The state may give you with certain benefits depending on particular circumstances. These may include:

Employment and Support Allowance is provided if you are unable to work because of disability or sickness.
Jobseeker�s Allowance is given to those who have lost their jobs
Personal Independence Payment covers the costs of long-term disability or poor health. It is classified into daily living and mobility rates.

Your workplace may also provide you with the following benefits:

Group income protection that pays out a certain percentage of your salary if you cannot work. If you make a claim, the insurer will give the benefit to your employer, who will send it on to you.
Critical illness cover provides a lump sum if you suddenly are afflicted by a covered medical conditions.
Life insurance that pays out a lump sum to your beneficiaries if you die.

Once you�ve ascertained what benefits you will receive, you can use all this information as the basis for computing the amount of cover you need.

For instance, you fall sick but your company has a sick pay scheme . You continue receiving your complete salary for the first three months and then half salary for the next three.

You decide to take out a policy that will start paying after six months. It pays enough to cover major debts such as your mortgage and car loan, and a certain percentage of your living expenses.

How a Financial Adviser Can Help

A financial adviser will look at your financial resources and benefits available to you to determine how much income replacement insurance you need. They will also suggest how long the policy should last.

Then he will help you find coverage that meets your financial requirements. Since they have wide-ranging knowledge of the insurance available on the market, they can help you find the right policy to take out.

You can also ask their advice on the terms and conditions of the policy you�ve selected. Never sign up for a policy unless you are sure you understand everything that is covered by it.

Your financial adviser can also ensure that your income protection insurance is up-to-date and reflects your present life circumstances. For instance, if you�ve had a child, you may need to take out more coverage.

Keywords: Income Protection, Mortgage advice

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