Richard Humphreys-Jones (Mortgage and Protection Adviser)

A new customer had been recommended to contact me by an existing client, he is a self-employed manual worker and a smoker and was looking to put some protection in place should he be unable to work due to illness or injury. 

He stated that he had previously looked into this elsewhere but had been put off taking out a policy because of the monthly cost he had been quoted. In view of his employment being of a manual nature and his smoking status I carried out extensive research and was able to find some much more suitable options for him with companies that he had not already approached. 

Within a week he had a policy in place, which was good timing because four months later he had an accident at work that meant he could not preform his usual duties for a few months. He was able to make a claim on the policy and it paid out an income until he was able to return to work.

Have you considered what would happen to your income if you were unable to work due to illness or injury? If you would like to find out more about how you could protect yourself then please do contact one of our expert mortgage and protection advisers on mortgages@alextragroup.co.uk or 01270 250800.

Income Protection with no investment link has no cash in value at anytime and will cease at the end of the term. If you stop paying premiums your cover may end.