Disability Insurance (Income Protection and Mortgage Protection Cover)
Disability cover comprises Income Protection and Mortgage Protection Cover. These products serve a similar purpose but may be structured differently.
Both of these products are designed to provide you with an income if you are off work sick or injured for a prolonged length of time. They also provide wrap-around services (differing by the insurer) such as like back to work support, childcare assistance whilst you are on a claim, and rehabilitation and retraining benefits
If you had an accident or became ill, and were unable to work, would you still have the income you and your family need? Could you cover expenses such as mortgage repayments, medical bills, school fees, business overheads and your day-to-day bills? What would you do if you only had the government sickness benefit to rely on? Could you cope?