{"id":1083,"date":"2021-09-01T14:41:56","date_gmt":"2021-09-01T12:41:56","guid":{"rendered":"https:\/\/pfadvisors.co.uk\/?p=1083"},"modified":"2023-03-28T10:36:40","modified_gmt":"2023-03-28T08:36:40","slug":"staying-a-step-ahead-income-protection","status":"publish","type":"post","link":"https:\/\/pfadvisors.co.uk\/en\/staying-a-step-ahead-income-protection\/","title":{"rendered":"Staying a step ahead – income protection"},"content":{"rendered":"

Many of us are likely to know somebody who fell ill this year, suffered a bereavement or lost their job. We have seen firsthand the impact even a short absence from work or period of unemployment can have on our financial resilience.<\/em><\/p>\n

And yet, nearly a third of respondents to a recent survey1 say they would only take out protection insurance if they fell ill themselves. It seems the pervasive attitude of \u2018it won\u2019t happen 10 to me\u2019 is preventing people from taking \u00a0out vital cover.<\/p>\n

Too little, too late?<\/strong><\/p>\n

Mortgage holders said they would only consider purchasing protection cover if they fell ill (31%), changed employment status (25%) or had an accident (24%). This would be too late to secure financial assistance from insurance, \u00a0as most policies do not offer backdated cover. \u00a0Despite these attitudes, the survey also revealed that one in seven (14%) survey respondents regretted not taking out a protection policy in the past.<\/p>\n

Finding the right policy for you<\/strong><\/p>\n

Contrary to popular belief, protection \u00a0insurance doesn\u2019t have to be hugely costly, and it can vastly improve your resilience to financial shocks.<\/p>\n

1 MetLife UK, 2021<\/p>\n

Source: Quilter Financial Planning \u2013 Essentially Mortgages Q3 2021<\/p>\n

\ud83d\udea8 Data accurate as of the date of publication \u2013 01.09.2021.<\/p>\n

\ud83d\udea8 The above material is for informational purposes only and does not constitute a sales offer or financial advice. Before taking out any insurance, credit agreement or other financial product, you should obtain individual advice on your requirements and the general terms of the contract.<\/p>\n","protected":false},"excerpt":{"rendered":"

Many of us are likely to know somebody who fell ill this year, suffered a bereavement or lost their job. We have seen firsthand the impact even a short absence from work or period of unemployment can have on our financial resilience. And yet, nearly a third of respondents to a recent survey1 say they […]<\/p>\n","protected":false},"author":3,"featured_media":1067,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-1083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-archive"],"acf":[],"yoast_head":"\nStaying a step ahead - income protection - Prestige Financial Advisers<\/title>\n<meta name=\"description\" content=\"We have seen firsthand the impact even a short absence from work or period of unemployment can have on our financial resilience.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pfadvisors.co.uk\/en\/staying-a-step-ahead-income-protection\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Staying a step ahead - 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