Buy Income Protection Insurance | Rite Mortgages Insurance Broker

Income Protection Insurance

Income protection insurance keeps your finances secure if you cannot work. Find out how our advisors can help you.

Income protection insurance helps you stay safe if you lose your job or cannot work due to a long period of sickness. This insurance provides you with a significant percentage of your yearly earnings, helping you stay clear of any debt, mortgage, or other financial issues. This option is highly recommended if you’re the sole earner in a household.

Our advisors are here to help you find the right policy and rates for your situation. We’ll browse the entire insurance market to find the right deals for you, offer exclusive rates that you won’t find with other insurance brokers, and help you keep your finances safe going forward.

Why Use Insurance Brokers from Rite Mortgages?

We’re dedicated to finding you the best rates for your needs.

We’ve got over 25 years in the industry.

We have access to exclusive deals that can’t be found on the high street.

We’ll provide you with a range of options regarding your situation.

We offer free, comprehensive, no-obligation reviews of your situation before we start work.

We’re directly Authorised by the FCA (Financial Conduct Authority).

Do I Need Income Protection Insurance?

Loss of employment cover

Loss of employment cover will ensure you get 12-24 months of pay at about 70% of your usual salary. This means you can keep on top of living costs, debts, mortgage payments and any other required outgoings.

This insurance covers you if you have been made redundant or let go for a reason that wasn’t your fault. If you left your job voluntarily or due to sickness, you won’t be able to make a claim.

Long-term sickness cover

Similar to the loss of employment cover, this income insurance covers the loss of work due to illness that has resulted in a significant loss of earnings. This insurance will only cover you for 12-24 months while you recover. If you’re at risk of long-term or permanent sickness that will go beyond this time limit, critical illness insurance would be a better choice.

A combination of sickness and unemployment cover

Although more expensive, an income insurance policy that covers both sickness and loss of employment can keep you covered for any issue that might interrupt your earnings. This is usually the best choice to take if you’re responsible for all or most of the household income. Our advisors will make sure you get the best rates possible, too.


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