Answered by Tom Conner
With regards to the sickness insurance side of the plan most insurers would only be interested in seeing evidence of your earnings upon making a claim. For example, they may want to see your tax return or pay slips to prove that you are covered within their limits (which ranges from 50% to 70% of pre-tax earnings).
However, there are some insurers that do not require any evidence of earnings so even if your income is low you can still gain sufficient cover provided that you work over 16 hours per week. Thus, for sickness insurance cover it is possible to gain protection (you are best speaking to one of our advisers though to get the right plan).
For redundancy / unemployment cover most insurers have very strict claiming requirements if you’re self employed or a contract worker so we do not provide advice on these plans for these workers.
I hope that helps. Feel free to call us to run through if you need some support.
Frequently Asked Income Protection Insurance Questions
Oliver did an excellent job in making the right recommendations. He's been very patient in dealing with my request and helping me choose the right product. Well done and thanks very much!
Josh did a great job. Did all the legwork for me in getting the best quote and even handed it over to someone else whilst he was away, then finished the whole thing once he was back – impressed!
Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.