An Income Protection policy pays out a monthly income to replace a proportion of your salary or wages when you are unable to work as a result of accident or sickness.
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The policy will pay out after a fixed amount of time has passed (which you decide at the start of the policy) and will continue to pay out until you are either well enough to return to work, you reach retirement age or the end of the policy term.
This means that you always have the peace of mind that you and your family can maintain your lifestyle should you fall ill, or have an accident and need to take time off work. Most importantly, this income cannot be affected by any state benefit cuts.
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