Income Protection Benefit is designed to help protect your income if you can’t work due to incapacity caused by illness or injury that results in a loss of earnings during the length of your plan.

Many people have a certain amount of Sick Pay Entitlement or other employer benefits that can sometimes help in the event of accident or sickness, but they are often insufficient and there is a possibility that you may suffer financially from being off work for any extended period of time.

The plan is designed to provide a benefit sufficient to maintain an adequate standard of living, but also at a level to encourage a return to work when benefit payments stop.
  • Benefits are payable when the policyholder becomes incapacitated, after the deferral period has passed, and continue until the earliest of; death, recovery of health, retirement or the end term of the contract.
  • Benefit payments are paid free of tax.
  • It is also important to note that the insurance company cannot cancel or refuse to renew the policy provided that the policyholder continues to pay the premiums.

Please remember that Income Protection is not a savings or investment plan and has no cash value unless a valid claim is made.


At Brilliant Money we have a specialist team of advisers that will search the Whole of the Market to find the best and most cost effective policy which is suitable for your needs. Please contact one of our advisers today who will be happy to help.