What if?

Protect your income from the unexpected

Income Protection

What is it?

 

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

 

This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.


Who is it for?

 

This type of plan is designed for anyone who is working (employed or self-employed). It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have. As advisors, we can help you find the plan that best meets your requirements.

 

Payment Protection Insurance is optional.  There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.

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 Heights Mortgages Ltd is an appointed representative of Mortgage Intelligence Ltd which is authorised and regulated by the Financial Conduct Authority under number 305330 in respect of mortgage, insurance, and consumer credit mediation activities only. Registered address; Unit B, 16 Holder Road, Aldershot, Hampshire, GU12 4RH. Registered in England & Wales under number 11391322.

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We always aim to provide if you live outside the United Kingdom or if you prefer not to deal directly with the Financial Ombudsman Service.) high-quality service to our customers. However, if you encounter any problems and we are unable to resolve them you can take your complaint to an independent Ombudsman. Our advice is covered under the Financial Ombudsman Service (http:/financial-ombudsman.org.uk/consumer/complaints.htm). You may be able to submit a claim through the  EU Online Dispute Resolution Platform (https://webgate.ec.europa.eu/odr/main/?event=main.home.show)