EXPERTS IN FINDING YOU INCOME PROTECTION
INCOME PROTECTION INSURANCE
At OH Mortgages, we understand that your income and ability to earn are the most important parts of your financial plan. That’s why we offer a range of Income Protection Insurance solutions to suit your unique situation. Income Protection allows you to protect yourself against loss of income due to injury or illness. Having this type of insurance can provide a steady income when you cannot work, helping you meet your financial obligations and providing peace of mind that your lifestyle won’t be affected.
If you’re interested in learning more about Income Protection Insurance, our team of experts are here to help. We will work with you to assess your situation and find the most appropriate policy for your needs. Contact us today to get started!
LET US HELP YOU FIND THE RIGHT INCOME PROTECTION PLAN FOR YOU
It may seem like income protection insurance is an unnecessary expense, but in reality, it can be a valuable financial safeguarding strategy. By finding a policy that fits your needs and budget, you can protect yourself money-wise at all times. It’s always better to be safe than sorry!
During our consultation, our advisors will discuss your needs and help you determine the right coverage for your situation. We’ll also explain the various types of Income Protection Insurance policies available, including short-term, long-term and various other income protection plans. This way, we can determine the plan that is right for you and your family.
At OH Mortgages, we take pride in providing our clients with the best possible service. We’ll work hard to find a policy that meets your needs and budget, so you can continue to enjoy financial security.
DO YOU HAVE ANY QUESTIONS ABOUT INCOME PROTECTION INSURANCE
If you have any questions, please don’t hesitate to get in touch. Get in touch with us today for some more information.

HOW WE CAN HELP YOU FIND THE BEST INCOME PROTECTION COVER FOR YOU
As a mortgage broker, we have access to a range of insurance providers who offer Income Protection Insurance products. We can compare policies, discuss what’s involved, as well as the numerous benefits of each option. Then, we can provide you with help to find the right coverage for your situation. When looking for an income protection policy, it’s important to consider all aspects including cost, cover amount, waiting period and much more.
We’ll take these into account and help you find the best policy for your needs. So, if you need help finding the right Income Protection Insurance for you, contact our team today.
Please note for these insurance products, terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.
Other Services We Proudly Provide
In addition to providing income protection, we also provide a wide range of other services. These include:
FAQ'S ON INCOME PROTECTION
We’ve prepared some of our most common frequently asked questions around income protection, if you have any further questions, please don’t hesitate to speak to our team.
Income Protection Insurance is an insurance policy that pays a regular income if you’re unable to work due to sickness or injury. It can provide peace of mind, knowing that your family will still be provided for even if you’re temporarily unable to work. These policies vary in duration and cost, but most will pay up to 60-65% of your regular income for an agreed period of time.
Generally, Income Protection Insurance policies will have a waiting period between when you make the claim and when you start receiving benefits. This can range from 14 days to several months – so it’s important to find a plan with a suitable waiting period for your needs.
Assessing whether you need Income Protection Insurance is an individual decision and should be based on your own unique circumstances. If you are the main source of income for your family, it’s likely that a policy would be beneficial, as it can provide financial security in times when you may not be able to work due to illness or injury.
It’s important to consider the risks you face and weigh up the potential benefits of having a policy in place. If you have substantial debts, dependents or are in a precarious financial situation, then Income Protection Insurance could provide some much-needed peace of mind for you and your family.
Income Protection Insurance premiums vary depending on a range of factors, including your age and occupation. Generally speaking, the cost of Income Protection Insurance is based on the amount of cover you require and how long you want the policy to last. The waiting period will also affect the cost of the premium, with longer waiting periods often resulting in lower premiums. For more information, we’d recommend speaking to one of our advisors, who can help you find a policy that suits your budget and needs.
While Income Protection Insurance can provide financial security during times of illness or injury, there are some circumstances where it won’t cover you. Most policies will exclude certain pre-existing medical conditions, so it’s important to check the policy details before purchase. It’s also worth noting that most policies will not cover redundancy or voluntary unemployment, so you may need to consider other ways to protect yourself if you’re worried about losing your job.
The time taken to process an Income Protection Insurance claim can vary depending on the individual circumstances and the policy provider. Usually, it takes around 4-6 weeks for a claim to be processed. However, some insurers may take longer if more information is required or there are complications with the claim. Contacting your insurer immediately is the quickest way to ensure the claim is processed quickly.
When budgeting for Income Protection Insurance, it’s important to consider the level of cover you need and the length of time you want the policy to last. The cost of an Income Protection Insurance policy will vary depending on a range of factors, including your age, occupation and health history. The amount you should spend will vary between people, so there’s not one specific amount.
The time taken to process an Income Protection Insurance claim can vary depending on the individual circumstances and the policy provider. Usually, it takes around 4-6 weeks for a claim to be processed. However, some insurers may take longer if more information is required or there are complications with the claim. Contacting your insurer immediately is the quickest way to ensure the claim is processed quickly.
No, you do not pay National Insurance (NI) on your Income Protection Insurance payments.
Income Protection Insurance claims can be backdated in some circumstances. Depending on the insurer, backdating may be available if you have held a policy for more than 12 months and meet certain eligibility criteria.