Income Protection

Get paid if you can’t work due to an injury or illness. An income protection cover is important for employed & self-employed people because when the income stops due to an accidental or sickness, the savings start getting used up. One phrase we use for customers for after an accident or sickness:

“When does your income stop? Tomorrow. When do your bills stop? Never”

People under estimate the impact of taking one income away and just surviving off the one income. 

Most insurers will insurer 50-60% of the income per individual. This is to encourage the injured or sick to go back to work and continue their work life. Making sure you get a good strong policy is really important, you can get cheaper policies out their but they can include exclusions or offer less cover for certain conditions.

Things to include:

  • Fracture cover – if you break a bone, you can get paid for it so you don’t need to eat in to your savings from day 1.
  • Children’s cover – If your child has a critical illness, some providers will pay out a lump sum so you can take care of them
  • Benefits included with the policy is important for your family.

Xact Mortgages Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority

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Lee has always been efficient and reliable. This was the second time he helped us with our purchase and without doubt we wouldn’t hesitate to call him next time

Paul - 15/03/2022

This is the second time i choose xact mortgages. Really good and fast service. Will definitely recommend it to friends and families!!!

Sue - 15/03/2022

Have used xact for years now always quick responses and explain things well, will keep coming back

Johnathon - 22/02/2022

Lee was fantastic. We had a few hurdels to cross to get our morning through but he was confident & very professional with his advise. I have & would recommend using lee again in the future.

Gary - 21/02/2022