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Income Protection Insurance (IPI) could be the safety net you need to protect your family and your finances. With this insurance you can receive payouts if you are unable to work, allowing you to focus on the important things, rather than worry about money.
There are three IPI options to choose from which all cover different things.
First, you can choose to cover accidents and illnesses. This will only cover you for any injuries or ailments that restrict you from working and earning. There’s also cover for unemployment. So if you lose your job and have some time between jobs where you’re not bringing in any pay cheques, this cover can help you stay financially stable until you’re back in employment. Finally, you can cover illnesses, accidents and unemployment. This covers all bases and can protect you and your family from any financial stress, whether you have lost your job through redundancy or cannot work due to an illness.
Here are 8 ways IPI could make your life a lot easier.
You can look after your family and pay all your bills no matter what the circumstances
IPI is really all about security. It allows you to focus on the important things like your job, your health and your loved ones, rather than stress about money. With IPI you have a smart, stable plan for any unexpected circumstances that may come your way.
You can pick your time frame
There are two types of IPI to consider: long term and short term. Short term IPI will cover you for a fixed period, usually giving pay outs for between six and twelve months. Long term IPI policies are more suited to people who are unlikely to work again, especially if they are seriously ill.
It can take some of the stress away from sickness and hospitalisation
Whether you’re battling an illness or recovering from a painful injury, becoming hospitalised or bound to your bed for long periods of time is not what anyone wants. When you are admitted to hospital, you should be focusing on your recovery. But all too often people end up worrying about looking after their families or fretting about getting behind on payments. IPI could take a lot of that stress away by paying out a monthly sum to you and your dependants, ensuring that bills and debt payments are covered and you can concentrate on getting better.
Your payouts will be tax-free
You won’t have to worry about losing some of your premium with hidden charges or taxes. Your insurance pay out will likely be income tax-free so you can get as much money as possible.
Your policy could keep you covered until you’re back in the job you love
There are three occupation classes to choose from on your policy, and these determine how much you will be expected to pay and receive. ‘Own occupation’ covers you if you are unable to work in your specific job. This could be the most expensive cover, but also very beneficial if you love your job. ‘Suited occupation’ cover will allow you to receive pay outs until you find a job suited to your skills and previous work experience. ‘Any occupation’ is often the cheapest cover, and it will pay out until you find any job.
The pressure from your job could be weakened
If you have a very stressful or dangerous job, or one that is unstable and could leave you unemployed in the not so distant future, IPI could be a handy safety net. IPI allows you to have a back up plan in case you lose your job. This means you can focus on your current job or finding a great new job without the extra financial worry.
You can get IPI even if you’re self-employed
IPI policies are for everyone, no matter your location, your age, or what line of work you are in. You can be employed in a large company, a small independent business or you can be self-employed and you can qualify for IPI.
Some policies offer more than just a payout
While a monthly sum to keep you financially stable is a huge help, some policies can give you extra benefits on top. When comparing various policies, keep an eye out for cover that will offer a single pay out when you die, as this could be an extra boost to any life insurance policy you currently have. Some policies will also offer support for people going through rehabilitation which is another great load off your mind.
You can find a premium that fits your budget
How much you pay towards your insurance all depends on your personal circumstances and you can use comparison websites to find a policy that suits you. They will take into account your age, medical history and occupation to find you something that fits nicely within your budget and has the right kind of cover for your personal needs.