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Income Protection

Why Income Protection?

If you asked your client to name their biggest asset, what would they say? Their house? If you think about it, your client’s house is actually their biggest liability (assuming they have a mortgage).

Income protection (IP) is an everyday essential which works when your client can’t. The cover protects your clients' income if they are unable to work because of an accident or illness and pays out an ongoing, regular benefit.

What's the real risk?

The biggest financial risk your working clients are exposed to is being off work for two months or more because of an accident or illness, before their chosen retirement age. And without the right protection in place, the financial impact can be devastating. Not only maintaining the home and lifestyle they’ve worked so hard for, but having enough money to get by, so they can concentrate on getting better.

Who can your client turn to if they can't work?

When asked what would happen to their finances if they were off work ill, a common client reaction is 'I'll get by'. But can they?

Sales Techniques

Many advisers we work with use simple sales techniques to help clients understand the importance of protecting their income.

Income Protection Checklist

Here we offer some ideas to help you understand different client scenarios. This includes questions you could ask your clients, handy tools to demonstrate the importance of income protection and tips to check the finer policy details which can vary by provider.

Fitting Income Protection around your clients

Things to consider to reduce the cost of income protection, if your client says it's too expensive.


Flexible Protection Plan

Why not add Life cover or Critical Illness to your client's plan for a wider protection portfolio?

More about Flexible Protection Plan


Tools and Calculators

Everything you need to support your Income Protection recommendations.

Income Protection tools and support

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Personal Sick Pay

Income protection for clients in riskier jobs who can be more expensive to insure.

More on Personal Sick Pay


Large Case Team

If your client wants cover for more than £5,000 a month, we can offer dedicated support.

More about our Large Case Team

Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK