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The following article was published in our article directory on December 16, 2020.
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Protect Your Family With Income Protection Insurance

Article Category: Real Estate

Author Name: David Farrell

Injury or illness can strike at any time and deny you of your ability to work. This can put your family in desperate financial straits, particularly if they are mainly dependent on your income. This is why you need income protection insurance.

A financial protection policy can help ensure that your family is protected in case you become incapacitated. It provides regular monthly payments if you are unable to work. These payments can be used to:

Ensure that utilities, mortgage payments and other monthly household expenses continue to be paid
Service or settle credit card debt, mortgages and other outstanding debt

However, many people believe they do not need income protection because of certain misconceptions . In this article we will briefly discuss these and explain why you still need this type of insurance.

Misconception One: My employment benefits are enough to see me through.

Many people take it for granted that they would collect sick pay in case they become ill. However, this may not necessarily be the case.

Your employer may not offer sick pay. Or if they do, they may only give it for a limited period, such as six months. Hence, it is important that you verify exactly what benefits you are entitled to so that you can plan accordingly.

Misconception Two: You don�t need income protection if you are renting your house.

For most people, their home mortgage is the largest debt they carry, so they are naturally concerned about what would happen if they were unable to pay it. However, even if you are renting your home, you are just as vulnerable.

Rent payments are usually one of your biggest expenses. If your family suddenly did not have your income, would they be able to pay rent?

Another consideration is that landlords are likely to be less forgiving than bankers if you should become overdue on your rent. You may suddenly find yourself threatened with eviction.

Misconception Three: You can�t afford income protection insurance.

It�s true that premiums for this type of insurance can be expensive depending on your current health condition and occupation. Obviously, it would be cheaper for younger people with better health profiles compared with older individuals.

One issue might be your expectations. You might expect the policy to only cost so much, so when you get an estimate that is much higher, you are taken aback and have second thoughts. In this case, you have to consider if the price is really too much.

However, if you find that income protection insurance genuinely does not fit into your budget, there are alternatives that you can consider.

For instance, there are short-term income protection policies that will only pay out for one or two years. Although the protection they provide is limited compared with a long-term income protection policy, it is better than not being insured at all.

A professional financial adviser can help you decide if income protection is the best option for ensuring the financial security of your family. He can also help you find the correct product that would provide you with the protection that you need.

A professional financial adviser can help you decide what the best option is based on your particular circumstances.

If your adviser finds that income protection is the best choice, he will help you choose which particular policy will offer you the coverage you need.

Keywords: Income Protection, Mortgage advice

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