Would your employer pay you if you were off sick? How will you meet your monthly bills? Are you self employed?

Income Replacement contracts are increasing in popularity as many employers are now only paying statutory sick pay in the event of long term illness, incapacity or absence through ill health. The contract will generally pay a monthly tax free income until you return to work or retire, whichever comes first. There are a range of deferment periods which affect the cost. Deferment periods are the length of time you agree to wait before a claim will take effect. Contact us for further information.

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