ILLNESS & INCOME PROTECTION

What if illness stops you working?

Explore cover that may help if you develop a serious illness or cannot work because of illness or injury.

Calm home office setting representing financial resilience and income protection

PROTECTION IF YOU BECOME ILL

What if you become seriously ill?

Critical illness cover may pay a lump sum for specified conditions. Income protection may replace part of your earnings if illness or injury stops you working.

Critical illness cover

One lump sum if a covered condition occurs

This cover can pay a lump sum if you meet the policy definition for a listed serious illness or condition. The payment could help with mortgage costs or other financial needs.

Only specified conditions and severity levels are covered.
A qualifying claim usually triggers a one-off payment.
Policy definitions and exclusions matter.

Income protection

Regular payments if you cannot work

Income protection can replace part of your earnings if illness or injury prevents you working, after a waiting period and subject to policy conditions.

Designed to help with ongoing bills and mortgage payments.
Payments generally last until recovery or the agreed end point.
Waiting periods and cover levels vary.

These policies are not interchangeable: critical illness is linked to specified conditions; income protection is linked to inability to work under policy terms.

HOW SI CAN HELP

Simple steps. Clear advice.

01 /

Review your commitments

Look at your income, bills, savings and sick pay.

02 /

Compare the cover

Understand one-off and ongoing payment options.

03 /

Agree your next step

Discuss policy conditions and any formal advice needed.

INSURANCE & PROTECTION ENQUIRIES

Talk through your cover with Si.

Book a free introductory conversation about what you want your cover to achieve.

Discuss the people and payments you want to protect
Understand different policy types and possible exclusions
Agree what to compare next

Prefer to speak directly? Call 07546 213491 or email Simon.

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