Income Protection
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Individual Income Protection
In simple terms, income protection is a way of making sure you and your family have a financial cushion if you need it. It gives you a replacement income until you are able to return to work and carries generous tax reliefs on your PAYE limits on the premiums.
Executive Income Protection
If you’re working through your own limited company, Executive Income Protection can help you if you become too ill or injured to work.
It works just like an ordinary income protection policy in that it offers you a replacement income. The main difference is that executive income protection is taken out and paid for by the business on behalf of the Director or employee. Premiums qualify as allowable business expenses & can be offset against corporation tax.
Why Use First Rate Financial Planning
Our expert advisers help you choose the right income protection policy to ensure you continue to meet your financial obligations and maintain your standard of living in case of illness or injury.
Our Process
We assess your financial needs and identify suitable income protection options. Our process includes:
- Evaluating your current financial situation and income protection needs.
- Presenting you with the best income protection policies available.
- Assisting with the preparation and submission of required documentation.
- Liaising with insurers to secure favourable income protection terms.
- Keeping you informed throughout the application process and addressing any concerns.
- Ensuring you have the right coverage to maintain your financial stability.
What Our Clients Say
Hear from our clients about their experiences and how they found working with First Rate Financial Planning.
Geanina Costan2024-05-03Highly recommended First Rate Mortgages ! Kevin and the team are absolutely amazing !Linda Murray2024-04-30We contacted Kevin and the team in First Rate last year when we were beginning our journey to try and buy a property. At every step of the way we received fantastic guidance and advice. They have been so easy to work with, always prompt and friendly. We have just gotten keys to our first home and we couldn't be happier! I would highly recommend the team. They made the whole process so much easier. Thanks Kevin and all the team at First Rate.Simon Silva2024-04-06First rate should be everyone’s first choice! Kevin and his team are superb, very knowledgeable, patient and reassuring all the time, we knew we had found the right Brokers when 6 different people recommended First rate mortgages to us. Overall 10/10, they’re the right team if you want a stress free journey 🙏Lee-ann Kelly2024-03-20Kevin & the team go above and beyond to make the process as stress free as possible. Ongoing engagement, clear communication and real-time responses/support being key. Their online portal for uploading the initial documentation is clear to understand and user friendly, and the team are there to support...when you make the occasional mistake!! Would highly recommend!!Noel Reville2024-03-20Fantastic service, patient, diligent throughout the extended process . Would highly recommendClaire Nelson2024-03-20Rachel and Kevin at First Rate were incredibly supportive during our mortgage application process and were extremely patient in guiding us through all the various hoops. They facilitated a positive outcome for us, which we are very grateful for.Lauren Walker2024-03-14Made our process with our mortgage so smooth and reassured us every step. Highly recommend Shay and his team 😊Kellie-Marie Connolly2024-01-24I would highly recommend First Rate mortgages. We dealt with Kevin who made the process very simple,quick and stress free. The team especially Lorna and Patricia were very helpful and were in constant contact with updates which was brilliant. Thanks to the team for all your help on getting our first home. We are over the moon and couldn’t have done it without all your help.Tadhg Rohan2023-12-14Can very highly recommend them. Rachel and Barry were a great help throughout the whole mortgage process and always on hand with any queries I would have myself. Brilliant service.
Talk to us today
Contact us today to learn how our expert advisors can assist you with mortgages, pensions, investments, income protection, and comprehensive financial planning.
