We know paying to protect your earnings is not always your top priority in financial planning.

However, for many, even a relatively short period of time without an income would cause financial difficulties.

Income replacement plans are designed to provide you with an income should you be unable to work for a prolonged period because of illness or injury. They are term plans, in that they will cover you for a specified number of years, and in the event of a qualifying claim the proceeds are paid until you are able to return to work.

Our advisors will work closely with you to identify the effect not working would have on you and your family and ensure any policy we arrange, starts working when you stop.