Income Protection
Income protection is an insurance policy that provides a regular income if you are unable to work because of illness or injury. It is designed to replace a significant portion of your earnings, helping you continue to meet everyday living costs, such as mortgage or rent payments, household bills, and other essential expenses, while you recover.
Cover can be arranged to pay out for a set period, such as one or two years, or to continue until a specified age, often aligned with your planned retirement. The cost of the policy is known as the premium. Premiums can be guaranteed, meaning they remain fixed for the life of the policy, or reviewable, where the insurer reassesses the cost at intervals and payments may increase over time.
Income protection is intended to support long-term absence from work, providing financial stability and peace of mind when your ability to earn is temporarily or permanently affected.
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
Critical Illness
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HCF Partnership
Ground Floor, 8 Beaumont Gate,
Shenley Hill, Radlett,
Hertfordshire, WD7 7AR