Replace your income if illness or injury prevents you from working. Structured for maximum tax efficiency based on how you're paid.
Income protection is arguably the most important cover you can have. It replaces your income — typically up to 60-70% of your earnings — if you're unable to work due to illness or injury. For contractors and directors operating through a limited company, this can be structured through the business for significant tax advantages. For those inside IR35 or on PAYE, personal income protection ensures you're still covered. The policy pays out after a chosen deferral period and can continue until you return to work, reach retirement age, or the policy term ends.
This product is particularly relevant to the following professions.
Whether you need income protection, business cover, or mortgage advice — get in touch with your ConsultZenith contact to discuss how we can help.
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