Do you think you could live comfortably if your income was to drop by as much as 80%? This is what could happen if an illness or injury were to leave you unable to earn an income.
Most company sick pay schemes last no longer than 6 months. If you are self-employed then there is no sick pay scheme to cover you. State Disability Benefit is only designed to cover your most basic lifestyle needs.
If you want to protect your income and secure your lifestyle against illness or injury, then Income Protection is the answer. If you suffer any injury, accident or illness which leaves you unable to earn an income of your own, Income Protection will pay you a replacement income of up to 75% of your normal income until you are able to return to work or until you retire.
You can choose a level of benefit that fits your needs and circumstances and your premiums qualify for tax relief at your marginal rate.
We can outline all the options and benefits open to you and secure the best Income Protection policy for your needs.
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The following O' Leary Life and Pensions Ltd. investment report has been prepared to provide...