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Income Protection Insurance Supplies a Replacement Income

There are two types of policy to protect your income. One is income protection insurance and the other is income payment protection. Both are different despite similarities so you have to make sure that you are taking out the right one for your circumstances before going ahead and signing up for the policy.

Income protection would supply you with a replacement income if you were to suffer an illness or an accident that meant you could not work. The policy would payout a replacement so that you were able to keep up with all your essential outgoings each month. It would begin after the time stated in the terms and conditions of the policy which can be some considerable time. However it would provide you with an income once it had started to payout for anywhere up to the age of retirement if you were unable to return to work.

Income payment protection would also provide you with an income to replace your lost one but it would also payout if you should become unemployed due to such as being made redundant. It would also provide you with your income much sooner than income protection insurance would. The majority of providers state in their terms and conditions somewhere between days 30 and 90. However it would not payout until retirement age. Policies usually provide you with your income for between 12 months and 24 month, again this is set out by the individual provider.

You would have to check the terms and conditions of policies as each provider offers different terms and also different exclusions. Some providers will add in only a few exclusions while others could put in a great deal more. These have to be compared against your circumstances so that you would know whether a policy would be suitable before you take it on.

Income payment protection insurance is often offered when you take out a loan or credit card with the high street lender. This has been a cause for concern after the 2005 investigation which revealed that several well known high street names had mis-sold policies to those who could not hope to claim against the policy. This included individuals who were retired or who were not in full time work. Policies are also known to be very expensive and in some cases added into the borrowing and then have interest added in on top. This of course boosts up which was once a cheap loan considerably.

Income protection insurance and loan payment protection are both valuable forms of protection in their own right, but it is essential to be able to distinguish between them. The best way of gaining the information needed and to take out the policy is with a standalone payment protection specialist. In some cases you are able to make savings of up to 80% on your loan payment protection policy with an independent payment protection specialist. Always check over the terms thoroughly before signing up for your policy and you will have something to fall back on which would allow you to be able to maintain all your repayments.

Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of income protection insurance.



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