Looking to protect your income against the threat of long term sickness or illness? If the answer is yes then Firstxtra can help by providing independent specialist advice from a range of the UK’s top insurers.

Our income protection specialists will arrange an appointment to discuss your requirements and this can be done by phone or face to face. We believe strongly that by doing this we can provide you with a tailored product to suit your individual requirements.

There are many different types of income protection policies available and these include low cost cover, level cover and increasing cover and these can be taken with guaranteed or reviewable premiums. There is a deferred period before claims are payable and this can range from one month to 12 months. The longer the deferred period, the lower the monthly premiums are for cover and this would normally be tailored to take effect after your employer stops paying sick pay.

We would regard this type of insurance as essential for self-employed clients as normally no income is received if you cannot conduct your normal type of business.

The cover will provide you with up to 60% of your gross annual income on a monthly basis and this will normally help you maintain an acceptable standard of living.

To get great advice about which income protection policy is most suitable for you then contact Firstxtra now for advice and a quotation.