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Why should you take out Income protection cover?

• Would you be able to afford to live if you were out of work due to accident, sickness or involuntary redundancy?

• The state currently pays £67.50 per week for single people over the age of 25 (as at 05/07/11). If you have savings of over £6000 then you could be given less, and if you have savings of over £16,000 then you may not qualify for state help at all. (see

Source: – July 2011

T&R Direct can offer Income Protection Cover:

• Income protection policies can pay out a maximum of 65% of your gross income for a maximum of 12 months or until you get back on your feet and back to work, (which ever comes first).

For example, if you earn: £15,000 gross per annum and require back to day one benefit for disability and unemployment and business failure, you will be able to claim for £9,750 maximum benefit per annum. Based on this figure your monthly premium will be £42.66. In the event of unemployment, disability or business failure, the insurers will pay £812.50 per month for a maximum of 12 months.

Key features of Income Protection Cover:

• Back to day one, 30 and 60 day excesses available.

• Maximum benefit per month of £2,000 or 65% of gross monthly income.

• Maximum 12 months benefit period.

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