Blog

Buying a house, as we all know, is a pain in the hole as it involves any number of the following:

Keeping a paper trail.
Dealing with estate agents.
Living at home in the box room with yer ma and da for a year to save a deposit. 
Paperwork. 
Dealing with estate agents.
More paperwork. 
Budgeting for stamp duty and a solicitor.

It’s no wonder you might be tempted just to say ‘feck it’ and go with your bank when they offer you a Mortgage Protection policy. But don't!

Cast your mind back to History class in school and the epic battles of our time. 

The Battle of Hastings.

The Siege of Stalingrad.

The Invasion of Normandy.

 Millions fought in bloody, awful wars.

And now we have the Battle of the Brokers, where a man on the internet will compare Life Insurance brokers so you can choose which one is right for you. 

It’s scintillating stuff, folks.

Generally, there are two types of dangerous jobs:

Sexy, movie-type dangerous jobs such as bank robbers and ninjas and assassins, like in Mr and Mrs Smith, where Brad Pitt and Angelina Jolie try to murder each other a bunch. But, like, sexily.

And then there are insurance-type dangerous jobs.

Which: not sexy.

The kind of job that will make an insurer rankle and rub his chin and ponder,

"hmmm, now I don’t know about that.”

You may be worried about applying for mortgage life insurance with epilepsy.

You've come to the right place.

We've helped lots of our friends get cover with the least amount of hassle - here's our quick guide.

Some things in life will make you sit back and take stock of everything.

Getting married. Having kids. Your favourite team winning the Champions League and Premiership in the same season (as a Gooner, I'll never EVER know how that feels)

Those are the good ones.

But the flip side is correct too: a sudden death, cancer, or an accident can leave you reeling. Especially if it’s something like a car crash that can hit so entirely out of the blue.  

Income protection is the Daddy of all protection products.

If you don't have it through work, you're a lunatic if you don't buy your own policy.

Seriously, think about what would happen if your income stopped long term.

Stick a few quid away on income protection and breathe easy knowing you're covered.

While being a dentist might not be up there with bomb disposal in the grand scheme of stressful jobs, it’ll come as no surprise to you that Income Protection claims for dentists are on the rise. 

It’s simple: you spend your working day bent over and staring into people’s gobs – which is a divil altogether for back problems. And that’s before we mention rising stress levels and decreasing job satisfaction. 

Put these factors together, and you could end up facing a stint out of work with no money coming in.

And then what happens?

When researching income protection, customers often ask us this question:

Will the insurance company help me to get back to work?

Here's the answer:

Your No Bullshit Guide to Income Protection

Based on questions I have been asked over the years.

Enjoy!

Income Protection, outright, is the best way you can protect yourself from whatever life throws at you.

No messin’, no foosterin’.

It’s the insurance that’s worth its weight in gold because: it covers up to 75 per cent of your salary if you’re unable to work long-term for any reason.