Income Protection
- Supporting you with expert advice and top-quality products
- Working closely with you to understand your wants and needs, ensuring these align with your budget.
- Finding you the most suitable deal for now and in the future.
Please contact us for a no-obligation conversation with an adviser about the most suitable mortgage option for you.
Get In Touch
Planning for uncertain times is beneficial, especially in today’s economic climate. If you’re considering income protection, the team at Heron Financial are here to guide you smoothly through the process. We’re open seven days a week so why not get in touch?
For insurance business we offer products from a choice of insurers.
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 Heron 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.
141.4 million is the number of working days lost in the UK in 2018 due to sickness or injury (Office for National Statistics, November 20)
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. Our advice is absolutely free, leaving you to fund the policy cost only.
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. Complying to COVID guidelines 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. We have been helping customers choose the very best income protection policies since 2011 and have over 550 excellent reviews on Trustpilot backing our reputation. With Heron Financial you’re guaranteed free expert advice and support. We’re not pushy. Overall, we provide the policy and you decide.
