Need An Income Protection Quote & Services Near you?

Income Protection Quote, More than Money

Are you looking for an Income Protection quote near you?

Well, look no further.

More Than Money offers a full range of insurance advice – right here in Ashford.

About Income Protection

Income Protection is an insurance that is often described as ‘nice to have’, rather than a ‘must have’.

It is a type of insurance that replaces your salary every month if you can no longer do your job due to an accident, injury or illness.

Who wouldn’t want that?


Income Protection Quote, More than Money
Need An Income Protection Quote & Services Near you?

The trouble is, in our experience, people overestimate what Income Protection costs!

That’s why, when we talk to you about this type of insurance, we make sure we truly understand exactly what you need to give you enough financial protection…

BEFORE we make a tailored recommendation for what we believe would be the best Income Protection policy for you. 

As part of the process, we search a panel of providers in order to find the right plan to suit your needs. 

You can think of it as us doing all the legwork so that you don’t have to!

Once we’ve gone through the Income Protection quote with you, and you’re ready to take the next step, we’ll take you through the application stage.

This includes taking part in a health and lifestyle questionnaire so that we can set the policy up – so be sure to let us know if you bungee jump at weekends or wrestle crocodiles for a living!

Next, we can answer any further questions you might have…

..make sure all the paperwork is completed correctly…

…and get the direct debit for your monthly premiums set up on the date of your choosing.

We can also help with any forms that need signing, and make sure that all relevant documents are sent out by email or post.

Aaaaaand relax.

Income Protection Services Q&A

What Is Income Protection?

If you can’t work because of illness or injury, your insurance company will pay out a lump sum to cover your bills and living expenses until you can return.

For those of you with a desk-job, or an average 9-5, this is relatively straightforward – and often not as expensive as you think!

Those with more ‘high-risk’ jobs could find that their premiums are a bit higher.

But, with lots of Income Protection policy options, More Than Money can find one to suit any budget!

What Is Classed As A High-Risk Job?

The first things that probably come to mind are occupations such as, soldier, firefighter, police officer, bungee-rope tester…

And you’re correct to think that these are high-risk jobs.

These jobs require you to put yourself in dangerous situations every day. 

But, when it comes to Income Protection Insurance, ‘high-risk’ can also mean anyone who works within the agriculture or construction industries. 

Basically, anything involving heights or heavy machinery.

Even cleaners could be considered ‘high-risk’ by insurance companies, depending on whether or not they work with harsh chemicals according to Good Financial Cents.

This doesn’t mean you can’t get Income Protection Insurance – or even that your premiums will be sky-high.

It just means that these are things an insurer will take into account when giving you a quote for your Income Protection.

Can I Get Income Protection Insurance If I’m Self-Employed?


And it’s important that you do!

If you’re self-employed it means you’re not covered by an employee’s insurance, so the onus is all on you.

If you were to become ill or or have an accident, and couldn’t work, you would have no income at all whatsoever. 

That’s glum. 

I would always advise those who are self-employed to get Income Protection Insurance.

It can sometimes be known as ‘Self-employed Sick Pay Insurance’, or ‘Income Replacement Insurance’.

If you’re already self-employed, or are thinking about becoming self-employed then, in my opinion, Income Protection Insurance is one of the most important insurance policies to consider. 

Does Income Protection Pay Out If I Die?

Income Protection Insurance replaces your income if you can’t work due to illness or disability and pays out until:

  • You can start working again.
  • You retire.
  • You die.
  • Or your policy comes to an end.

Whichever comes first.

Does Income Protection Pay Out If I Lose My Job?

There is a form of Income Protection Insurance, often called ‘Unemployment Insurance’, that can pay out if you lose your job.

This type of insurance replaces a portion of your salary and typically pays out over a fixed period of 12 months or longer. However, this is currently unavailable due to the pandemic

These are some of the most common questions asked about Income Protection Insurance – but it’s certainly not an exhaustive list!

If you have any other questions about Income Protection Insurance or require a quote and would like us to find the right policy for you, why not drop us a line and we’ll be happy to help. 

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