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How would you manage if you were unable to work?

According to the insurance firm Exeter Family Friendly the average length of a claim for people off work ill is 56 months.

As the world of self-employed people grows the need for income protection is growing as the support from the state is so minimal. If you were off work how would you continue to have your current life style? Figures show that 35% of working people have no savings (the money charity) so they would need to rely on family to help or the state which will pay you just £89.40 per week.

Last year 45% of the claims that paid out by the Exeter Family Friendly firm were for muscular skeletal, back and spine issues suffered by their members and only 10% of the current working population have any form of income protection (ABI).

During the year 16/17 there were 31 million lost working days which is the equivalent of 17 days per working person (HSE), so being unable to work due to illness or injury is a genuine risk

Exeter Family friendly and other societies like them offer income protection that is not dependent on what you do for a living. Some companies see the risk of an office worker as less than that of a builder so the premiums for the office working are cheaper. This is not the case with Exeter Family friendly who do not price on occupation and will allow you to fix your level of cover at 75% of your income at the time of applying so if it drops they will still cover you based on the higher level.

Cover is available for 2 years,5 years or until retirement and can even be back dated until the first day you had off (subject to 3 days off minimum)

Why not contact us today and let us give you an idea on the cost of income protection for the added peace of mind…

Income protection cover is subject to medical under writing at the point of application

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We would like to take this opportunity to thank you for your efforts in making it possible for us to purchase our first property.  You have been brilliant and your services have been friendly, helpful, swift and professional.  We cannot thank you enough and it has been an absolute pleasure working with you.  What is known to be a stressful time has been very smooth and I have yourselves to thank for this.


Miss Knight

2016-03-22T17:24:36+00:00

Miss Knight

We would like to take this opportunity to thank you for your efforts in making it possible for us to purchase our first property.  You have been brilliant and your services have been friendly, helpful, swift and professional.  We cannot thank you enough and it has been an absolute pleasure... Read the full article

Mr L hadn’t sold his house but had found the house of his dreams, we arranged a mortgage that allowed him to buy his new house without selling and a mortgage that was flexible enough for him to pay a large amount off when he sells his house.

2016-09-13T12:38:09+00:00
Mr L hadn’t sold his house but had found the house of his dreams, we arranged a mortgage that allowed him to buy his new house without selling and a mortgage that was flexible enough for him to pay a large amount off when he sells his house.

Miss G sold her house and had found a new house, it all looked straight forward but she had a historical bankruptcy which meant lots of lenders were declining her. We found her a mainstream high street lender that would offer a mortgage even with her previous bankruptcy.

2016-09-13T12:43:22+00:00
Miss G sold her house and had found a new house, it all looked straight forward but she had a historical bankruptcy which meant lots of lenders were declining her. We found her a mainstream high street lender that would offer a mortgage even with her previous bankruptcy.

Mr W works abroad but wanted to buy a buy to let property, most lenders will require him to own and live in in a mortgaged property in the UK, however we found a lender that would lend at sensible interest rates for a new buy to let purchase.

2016-09-13T12:48:10+00:00
Mr W works abroad but wanted to buy a buy to let property, most lenders will require him to own and live in in a mortgaged property in the UK, however we found a lender that would lend at sensible interest rates for a new buy to let purchase.

Mr C wanted to buy a student house in Lincoln via a limited company to take advantage of the income tax benefits of this. He spoke with other brokers and high street lenders all of which said it wasn’t possible. We found a building society who specialise in this with sensible fees and interest rates.

2016-09-13T12:49:06+00:00
Mr C wanted to buy a student house in Lincoln via a limited company to take advantage of the income tax benefits of this. He spoke with other brokers and high street lenders all of which said it wasn’t possible. We found a building society who specialise in this with... Read the full article

4 weeks ago

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