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In the current economic climate many employees are concerned about job security and the stability of employer or state sickness benefits and what might happen to them and their family if their income stopped due to an inability to continue to work.

State benefit provisions are frequently being reviewed, cut and / or scaled down and are also becoming increasingly difficult to qualify for as time progresses. Employer benefits are often inadequate for the needs of those employees that are off sick long term, and for the self-employed it is even more important to consider what would happen if you were unable to work.

If you are concerned by this ever increasing threat to your personal financial security then Thomas Dobner can provide advice on different types of income protection policies, sourced from a number of the best known and most trustworthy insurance providers in this market, to supply a bespoke insurance package for each individual client.

 




The two main types of income protection policies are:-

Accident Sickness & Unemployment Cover (ASU) - a policy designed to pay income for a short period of time (up to 2 years) if you are unable to work due to ill health or redundancy.

Permanent Health Insurance (PHI) - a policy designed to pay income long term (potentially up to your normal age of retirement) if you are unable to work for a prolonged period of time due to very serious ill health.

Each of these policies can be taken individually, or in combination with each other to provide a comprehensive solution for complete peace of mind.

Call Thomas Dobner today to arrange your no obligation meeting to discuss your own individual circumstances.
 

For Income Protection from an extensive range of top insurance providers call Thomas Dobner.




The above logos represent a sample of some of our income protection insurance providers
 

 

Thomas Dobner, Bowden & Partners Estate Agency, 66 Fore Street, St Marychurch, Torquay, Devon. TQ1 4LX
LANDLINE: 01803 312364                   MOBILE: 07977 077378                  EMAIL: Thomas@ThomasDobner.co.uk

Thomas Dobner is an appointed representative of Personal Touch Financial Services which is authorised and regulated by The Financial Conduct Authority.
Thomas Dobner does not normally charge a fee for mortgage advice, however this will depend on your circumstances. If a fee is charged a typical fee would be 250.


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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