Dying isn't your biggest financial risk

IT'S NOT BEING ABLE TO WORK.

AND ACTUALLY LOSING YOUR INCOME.

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What is Income Protection?

Income protection insurance is designed to give you some cover if you can’t earn an income due to a serious illness or injury.

If something happened to you would you be able to survive on savings, or on sick pay from work? If not, you’ll need some other way to keep paying the bills and you might want to consider income protection insurance.

1 MILLION

WHY INCOME PROTECTION MATTERS?

 

Illness or injury that stops you from working for a while is a much bigger risk than sudden death. Almost 1M people every year are off work for a month or more as a result of a serious sickness or injury*.

THIS COULD HAPPEN TO ANYONE. INCLUDING YOU.

*Department for Work and Pensions, February 2014, accessed October 2018.

Why Consider Income Protection?

IT REPLACES PART OF YOUR INCOME

Income protection comes in as a replacement for a part of your income when you can't work because of illness or have become disabled.

IT PROTECTS YOUR SAVINGS

Income protection can protect you from spending your own savings and the wealth you've accumulated over the years for future plans. 

IT COVERS ALL ILLNESSES

Income protection covers all illnesses that leave you unable to work, either for short or long term - depending on your policy.

CLAIM AS MANY TIMES AS YOU NEED

You can claim as many times as you need to while the policy lasts.

How does it work?

  • Cost is based on type work you do, amount required and after what period of time

  • Income protection payouts are usually based on a percentage of your earnings: 50% to 70% is the normal

  • Income protection policies pay out only once a pre-agreed period has passed, generally ranging from one to 12 months after you put in a claim

  • You have to option to add an 'index-link' to your income protection, meaning it rises with a measure of inflation, such as the consumer prices index (CPI) or the retail prices index (RPI), each year

Let us help you identify the level and type of cover that will best suit your circumstances

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How to Apply?

1. Get on a call with us

Let's talk about your options.  Our discovery calls are free for the first session. Or you can send us a message and we'll call you.

2. Decide

Take the time to think about your options.​ If you decide to move ahead, our team will help you do the paperwork until approval.

3. Complete

We will call you about your application and guide you to the next steps.​ We will discuss your plan and necessary steps to take to ensure that you're getting the best income protection policy.

Testimonials

Excellent service! I have only use CEP services for all my financial needs.
5 months ago via Google
Rashik Vishram
Custodia planning are a God-send. They helped me tidy up my credit, secure an affordable mortgage, advised me on my will, life insurance. Recently they helped consolidate my debt (saving me 1000s!) Thank you Custodia!
9 months ago via Google
Bonz B
I know Viral for 8 years in which he has advised me on financial transactions, insurance matters and made several mortgage applications all successful due to his experience and invaluable advice Viral and his team are professional, fantastic communicators and a pleasure to work with I would not contemplate making a financial decision without Viral’s advice Highly recommended AndiCovaci
a year ago via Google
MrAndicovaci .
Viral and the team at Custodia are excellent, I recommend them!
a year ago via Google
Richard Baggaley
The best ever mortgage services .
a year ago via Google
Sina Motesharei

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