There's 2 main ways of solving the problem of lost income through disability.
1. Insure the income through income protection insurance
2. Insure the expenses through Mortgage Repayment Insurance, Household Expenses Cover and similar.
There's a lot to consider and it's very hard to get it right without expert assistance.
It has been shown conclusively that those try to do it all them selves have higher rates of declined claims than those who use an independent expert adviser.
There are a whole lot of insurance companies selling dozens of products and they are not all the same!
An important thing to remember is that the easier it is to get insurance, the easier it is for a claim to be declined.
Don't take no for an answer! Call us!