About iam|INSURED and why we’re different

We're experts in life insurance and health insurance, especially for people with medical conditions, dangerous jobs and hazardous activities. We've helped thousands of families to get the best protection over the past 20 years and make sure that they pay a 'fair price'. Everyone is different and their financial needs are unique to them... which is why we treat everyone as individuals and do our best t help. We're also rated 4.9 out of 5.0 by our customers

Income Protection for Electricians

What is income protection insurance?

Income protection insurance – the cover each working adult should consider and especially for people who are self-employed. The policy protects you at times of need where you cannot work due to illness or injury.

Taking out an income protection insurance policy provides you with certainty. Certainty that if you do become unwell and unable to work, you will receive a monthly benefit to supplement a percentage of your income, helping to cover your major expenses, such as your mortgage, bills and food.

These regular payments will continue to be provided up until you’re able to return to work, giving you the best opportunity to fully recover. Not only does it give you a helping hand financially, it helps to reduce pressure during distressing times and supports you in moving forward with a healthy lifestyle.

Additionally, we do have differing policy options, including protection levels and occupation specific cover – including both group and self-employed options.

The benefits of income protection insurance

  • Pays a monthly salary if you can’t work
  • Tax-free monthly benefit
  • Ideal for employed or self-employed
  • Accident and sickness cover
  • Pre-existing conditions considered
  • Specialist cover available for high earners
  • Flexible cover options
  • Premiums to fit your budget
  • Short term and long term cover options
  • Cover available from the UK’s top insurers

The benefits of income protection insurance

  • Pays a monthly salary if you can’t work
  • Tax-free monthly benefit
  • Ideal for employed or self-employed
  • Accident and sickness cover
  • Pre-existing conditions considered
  • Specialist cover available for high earners
  • Flexible cover options
  • Premiums to fit your budget
  • Short term and long term cover options
  • Cover available from the UK’s top insurers

What is income protection insurance?

Income protection insurance – the cover each working adult should consider and especially for people who are self-employed. The policy protects you at times of need where you cannot work due to illness or injury.

Taking out an income protection insurance policy provides you with certainty. Certainty that if you do become unwell and unable to work, you will receive a monthly benefit to supplement a percentage of your income, helping to cover your major expenses, such as your mortgage, bills and food.

These regular payments will continue to be provided up until you’re able to return to work, giving you the best opportunity to fully recover. Not only does it give you a helping hand financially, it helps to reduce pressure during distressing times and supports you in moving forward with a healthy lifestyle.

Additionally, we do have differing policy options, including protection levels and occupation specific cover – including both group and self-employed options.

What does income protection insurance do?

If you do unfortunately experience sickness or injury that prevents you from working, here’s a step by step breakdown of how the income protection insurance policy can work for you:

  • Your unfortunate illness or accident occurs, preventing you from attending work.
  • As soon as you’re unable to work, call your expert claims team and make your claim under your policy. Your insurer will then guide you through the claims process, ensuring that you have all details to successfully complete the form, including any medical evidence.
  • If your claim is successful, you’ll need to wait out your deferred period before your monthly tax-free benefits will start.
  • Once your benefits begin, you’ll be able to claim under your policy up until you fully recover and return to work, retire or until you reach your policies cease date (this will be explained when setting up your initial policy).
  • You can continue to claim if your policy is active, and you continue to pay your premiums. Payment will come to a stop once you’re recovered, retired or progressed passed the policy cease date.

If you have any questions regarding the claim process, get in touch with our team today.

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Is this insurance policy for you?

Think to yourself, if you were to experience loss of earnings due to an incapacity to work through illness or injury, would you manage to pay your large, day to day living costs?

The average person’s savings pot would soon dwindle, bringing on further distress with the possibility of prolonging your recovery period.

On average, between April and June 2018, 2.03 million people in the UK were off the job market and unable to work due to sickness. Now although this may not be you, if you were to experience a similar occurrence, would you manage financially? If not and you’re looking for a policy that will secure you from any future occurrences, we recommend the income protection policy.