If illness interrupts your income.
Income protection can replace part of your earnings if illness or injury stops you working, subject to the policy definition of incapacity and a waiting period. Short-term policies have a limited claim payment period; long-term cover can pay for longer, up to the policy end date, while a valid claim continues.
How DFM helps
We review your needs and existing arrangements, assess suitable cover and explain our recommendation, premiums and important limitations. If you proceed, we help with the application.
What we consider with you
- Compare the waiting period with your sick pay and savings.
- Discuss the benefit amount, claim payment period and policy end age.
- Check the definition of incapacity, exclusions and affordability.
Important considerations
Income protection is not automatically redundancy cover. Payment depends on policy terms and an accepted claim.
General information, not a personalised recommendation.