01
Begin with your existing safety net
Your sick-pay arrangements, savings and household spending help shape the conversation. For self-employed people, the impact of being unable to work may be different from someone with workplace sick pay.
Protection
Income protection advice
Income protection advice.
If illness or injury prevents you from working, income protection may help replace part of your income. Winwell helps you consider the gap between your commitments and the support you already have.
The plan will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
02
Understand when and how cover pays
Waiting periods, the policy term, definitions of incapacity and the amount covered affect how a policy works. We explain the recommended policy, including its exclusions and premium basis.
03
Keep the plan affordable
Cover needs to be sustainable as well as appropriate. Tell us about existing policies and the amount you can budget so we can consider your circumstances rather than a one-size-fits-all plan.
Useful for our first conversation
- Income and essential monthly spending
- Employer sick pay or other support
- Savings and existing insurance
- Your occupation and working arrangements
A brief outline is enough for your initial enquiry. Please do not send identity documents or sensitive medical information through the contact form.
Your questions
Does income protection cover every reason for stopping work?
No. Cover depends on the policy terms and definitions. It should not be assumed to include unemployment or every illness or injury.
Can self-employed people discuss income protection?
Yes. We can discuss your working arrangements, income and existing financial support to understand what protection may be appropriate.
Read more before you decide
Talk through your next step.
Contact the Winwell team in Winchmore Hill.