December 12, 2017

man and umbrella

 ‘I’d urge anyone to think about getting income protection, particularly if
like me, you’re self-employed’

Mr J is a 50-year-old self-employed joiner from West Yorkshire. The majority of
the work he does is building bespoke conservatories and orangeries.
“I’ve had the policy for years, a friend of mine who works in financial advice recommended that I
should have an income protection policy as being self-employed, if I don’t work, I don’t get paid.”

“When times were tight, I thought about cancelling the policy but I’m glad I didn’t.”

“Late last year, I tore the ligaments in my left shoulder at work. I tried to carry on working with the
injury, but with my job being 100% manual, I found it increasingly difficult to do so. Eventually,
I went to the doctor and was told I’d need an operation to repair the damage and effectively rebuild
my shoulder.”

Mr J had to take 5 months off work to recuperate from the successful operation. He returned
to work in March 2017. Mr J was unable to drive for three months, so even if his job hadn’t
been manual, this would have severely restricted his ability to work.

“I called my Insurer as soon as I knew I’d need an operation. The process was so simple; I had one
form to fill in with my GP, and being self-employed, a copy of my accounts. It was very efficient. They
paid me 60% of my taxable profit in two-weekly installments over the whole five months I was off.
They were really efficient; everyone I spoke to did what they said they were going to do.”

“I would have really struggled without the income protection; I’d have had to rely on my wife’s
income and my savings, but the savings wouldn’t have lasted forever.”

What to know more about Income Protection?

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Next steps

Whilst you are welcome to get a quote on-line but we would recommend you talk to one of our advisers.

Any quote that your adviser provides you with will take into account to your circumstances, your medical history, as well as your budget!

Call Freephone 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

Please feel free to read our Independent client reviews, or read about the team at Future Proof.

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Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success.  All applications are subject to underwriting.

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Source: Cirencester Friendly Society Ltd.