Protection and Insurance Experts

At Let’s Protect UK we have years of experience among our Expert Brokers across multiple protection products like Income Protection, Life Insurance and Critical Illness cover. We can access the whole market to compare the most competitive Insurers to protect you, not just now, but in the future as well.

Income Protection

Type of insurance? *

Mortgage
Rent
General Bills

Do You Smoke *

Title *

Name *

First

Last

Date of Birth *

Month of Birth *

Year of Birth *

Email *

Phone / Mobile Number *

Monthly Income Required *

Gross Annual Income *

Deferred Period *

A deferred period is most commonly associated with income protection and refers to the length of time you're unable to work before your first pay out will be received. This is often a minimum of 4 weeks but can be as long as 12 months or more depending on the provider.

How long do you want the payout to last? *

Address *

Postal Code *

Do you work more than 16 hours per week *

Are you currently off work or working reduced hours due to sickness or injury? *

Life Insurance

Gender *

Male
Female

Do You Smoke *

Title *

Name *

First

Last

Date of Birth *

Date of Birth Month *

Date of Birth Year *

Email *

Confirm Email

Phone / Mobile Number *

Cover Type *

How many years would you like the cover to last? *

What's the amount of cover that you would like? *

Address *

Postal Code *

Why Do I Need Income Protection Insurance?

As you can see there is a large discrepancy between the statutory sick pay to which you are entitled and real life living costs! Income protection insurance helps to protect against this.

Unfortunately, most employers do not financially support employees after more than a year of sick leave and given the low level of income that statutory sick pay provides, it makes sense to think about protecting your income.

Sources *

** https://www.gov.uk/

Why Do I Need Life Insurance?

1. To provide financial security for their loved ones in case of their unexpected death.

2. To pay for their final expenses, such as funeral costs.

3. To pay off outstanding debts, such as mortgages or loans.

4. To fund their children’s education.

5. To leave a legacy or inheritance for their beneficiaries.

6. To provide for a business or business partner in case of their unexpected death.

7. To cover estate taxes or other financial obligations upon their death.

8. To provide peace of mind and security for oneself and loved ones.

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We access to the whole market to compare the most competitive Insurers to protect you

Are My Payments Fixed Or Do They Increase?

In addition to your occupation cover, your payment amounts will be based on a variety of factors including lifestyle, age and your current health.

The type of monthly premium you choose will also have an effect on your monthly payments:

Reviewable
A reviewable premium means your rate is reviewed from time to time. This could equate to a rise in costs over the long term ∫

Guaranteed
A guaranteed premium ensures that you always pay the same sum of money every month, until the policy finishes. This gives you the security of knowing exactly what your monthly payments will be.

Income Protection insurance works by replacing your income if you become too ill to work. Some key takeaways are:

Long-term cover pays a sickness benefit until you can return to work, retire or pass away.
Short-term cover pays a sickness benefit until you can return to work, or for a maximum of two years.
You can claim as many times as you need throughout the term of the policy. Please remember that if you choose the short-term policy, then claims for two incidences of the same condition need to be at least 6 months apart.

*Over £200,000 from under £2 p/w: A 28 year old non-smoker can get Level Term Life Cover of £207,000 over a 29 year term for a monthly premium of £7.55/Aviva.
*Over £100,000 from under £3 p/w for smokers: A 28 year old smoker can get Level Term Life Cover of £101,000 over a 41 year term for a monthly premium of £11.04/LG.
*Over £47,000 from under £2.60 p/w for CIC: A 25 year old non-smoker can get Level Term Life and Critical Illness Cover of £48,000 over a 26 year term for a monthly premium of £10.39/Zurich.
*Over £265,000 from under £2 p/w for mortgage protection: A 25 year old non-smoker can get Initial Life Cover of £272,700 over a 40 year term for a monthly premium of £7.05/Aviva. This life cover will decrease over the length of the policy to cover a mortgage. An interest rate of 8 % is used to calculate the life cover payable on death at any point in the future up to the end of the policy. This policy is therefore only suitable for all loans with an average mortgage interest rate of up to and including 8 %.

*Whole of Life Quotes from under £2.50 p/w: A 20 year old non-smoker can get Level Term Life Cover (Whole of Life) of £8,100 for a monthly premium of £10/AEGON.
*Couples Life Insurance, over £110,000 from under £2 pw : A non-smoking couple aged 30 and 28 can get Level Term Life Cover of £111,000 over a 20 year term for a monthly premium of £7.42/Aviva. The life cover will be payable should either of the life insured die within the term of the policy.
*Over £350,000 cover from under £8 p/m: A 30 year old non-smoker can get Initial Life Cover of £350,000 over a 10 year term for a monthly premium of £8.36/Aviva.*Over £350,000 cover from under £8 p/m: A 30 year old non-smoker can get Initial Life Cover of £350,000 over a 10 year term for a monthly premium of £8.36/Aviva.
*Prices correct June 2022

Let’s Protect UK - Income Protection Insurance

Expert Brokers with years of experience across multiple protection products like Income Protection, Life Insurance and Critical Illness cover.

Access the whole market to compare the most competitive Insurers

Whether you’re Employed or self-employed if you get sick or have an accident, we can help pay your rent, mortgage, and outgoing bills.

Reach out to us today, and we can see what solutions are available.

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