Income Protection: Safeguarding Your Monthly Earnings Against the Unexpected
Your ability to earn an income is your most valuable financial asset. If an unexpected accident, injury, or severe illness prevents you from working, your monthly outgoings—from your mortgage and utility bills to daily living expenses—do not stop.
At Ashfer Capital, we provide considered, whole-of-market income protection advice designed to replace a significant portion of your earnings, ensuring you can focus entirely on your recovery without financial anxiety.
Is This Right for You?
This service is ideal if you are self-employed, a company director, or an employed professional whose employer-provided sick pay would not cover your long-term financial commitments, or if you want absolute peace of mind that your lifestyle is secure.
What We Can Help With:
- Regular Monthly Payouts: Structuring tax-free monthly replacement income (typically up to 55-70% of your gross earnings) paid directly to you if you are unable to work.
- Deferred Period Customization: Aligning the waiting period (from 4 weeks up to 6 months) with your savings buffer or sick pay provisions to optimize your premium costs.
- Long-Term Claim Security: Securing policies that pay out continuously right up until your retirement age if an illness or injury prevents you from returning to your occupation.
- Executive Income Protection: Designing business-funded protection policies for company directors and key employees in a tax-efficient manner.
A Clear, Transparent Process
We keep things straightforward from day one:
- Understand: We review your monthly expenditure, existing employer sick pay, and lifestyle commitments.
- Explore: We scan the market to find comprehensive policies with clear occupational definitions and reliable insurer claims histories.
- Recommend: We present a transparent recommendation detailing benefit amounts, deferred periods, and monthly premiums.
- Progress: We manage your application smoothly through medical underwriting and policy inception.
Ready to protect your monthly earnings?
There is no need to wait until an unexpected event impacts your livelihood. Let’s discuss your income security and put a dependable safety net in place.
