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
Excellent service from start to finish. Both Jack & Jake were both helpful and polite through the process. I would recommend Drewberry to family and friends.
Oliver was great at explaining things, with patience. He called back when he said he would, and spent a lot of time to make sure the policy meets my needs.
Victoria Slade has been consistently prompt, personable, efficient and a great communicator. It is the first time that we have had straightforward dealings with financial services since becoming qualified doctors 20 years ago. Well done!