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« Back to articles from category "Real Estate"

The following article was published in our article directory on December 7, 2020.
Learn more about SpinDistribute Article Distribution System.

Income Protection Insurance is a Must For Homeowners

Article Category: Real Estate

Author Name: David Farrell

If you are still paying off your mortgage, you must have income protection insurance. You risk losing your home if you should be unable to work because of serious illness or injury.

What is Income Protection?

Income protection is a long-term insurance policy that will pay a monthly amount equal to a certain percentage of your income if you can�t work because you fall sick or are seriously hurt. The policy will pay out as long as you are unable to come back to work. You can use this money to service your mortgage and pay your other bills.

You can apply for a policy if you are employed full-time or part-time, or are self-employed. However, there is usually an agreed-upon waiting (deferred) period between the time you are unable to work and when you start to receive your benefits.

It is best that you seek the advice of a professional financial adviser before deciding if income protection insurance is right for you. However, here are some considerations to think about:

If you abruptly were unable to work and could not pay your bills, what would happen to you and your family?
If you are formally employed, do you have sick pay and how long would you continue to get it?
If you are self-employed, how would you manage if you were unable to work?
Could you cover loan repayments with your savings ?
Are your savings enough to cover the expenses of you and any dependents you may have?

How Much Does It Cost?

The amount of the premiums are determined by several factors including:

Age
Job
What percentage of income you want to receive as benefit
Health, including pre-existing conditions
The duration of the deferment policy
How long you want the policy to run

A financial adviser can approximate the amount of monthly premiums you would pay for a policy.

Alternatives to Income Protection

If you are looking for a more affordable alternative, you can opt for a short-term income protection policy. This works the same as a regular policy but will only pay benefits for a limited amount of time, for instance two years. In addition, there may be more exclusions as to which illnesses or situations are included.

The main advantage of a short-term policy is that the premiums are lower. However, the protection offered is limited and you should consider what would happen once your benefits end.

Do I Need Income Protection?

You have to ask, how would I cope if I were suddenly unable to work? What are my options for supporting myself and my family?

Even if your employer offers sick pay, it may not be enough to cover your bills. Even if it is enough, for how long would you continue to receive it?

If you have questions about the most appropriate type of policy to take out to ensure that your family is protected in case the worst happens, the best thing to do is seek professional advice. Based on your specific life circumstances, they will recommend which policy you should take out.

About the Author: David Farrell is an expert when it comes to Mortgage advice, Insurance advice . To find out everything about protecting your mortgage, visit his website at Quest Finance.">Mortgage Advice, Insurance advice.

Keywords: Income Protection, Mortgage advice

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