Expert advice on Life Insurance, Mortgages and Wills in Northern Ireland
Covering counties Antrim, Down, Armagh, Derry-Londonderry, Fermanagh and Tyrone
Call our Newry office for 'No obligation' advice on 02830 252455
Income Protection call us now 028 30252455 lines open Mon to Fri 8.30am-8pm Sat 9-5pm
Protecting your Income
Income Protection is designed to pay you a regular monthly payment to help replace your income if you are unable to work and lose your income due to accident or illness, in simple terms Income Protection works when you can’t.

Income Protection
Will pay a monthly amount if you can’t work due to accident or sickness for longer than your chosen waiting period sometimes called a ‘deferred period’. The income protection policy will continue to pay until you are fit to go back to work, the termination age of the plan is reached or you retire.

Budget Income Protection
This works in a very similar way to a regular income protection policy except the benefit will only be paid for a maximum period of 24 months. The premiums are cheaper compared to a regular income protection policy.

Mortgage and Lifestyle Protection
Mortgage and Lifestyle Protection is a superior mortgage payment protection plan and will provide accident and sickness cover but will also give you the option to add unemployment cover.
We can offer you a long term accident and sickness plan that will continue to pay out until you are able to go back to work.

Accident and Sickness Cover
When you take out our Mortgage and Lifestyle Protection, you will have cover for long-term accident and sickness cover not just 12 or 24 months like a traditional MPPI (mortgage payment protection insurance) policy.
It will continue to pay you if you can’t do your own job due to sickness or accident and will continue to do so until your are able to return to work or the term of the policy expires.

Unemployment Insurance Cover
The really good news is that you can include unemployment cover on the policy should you be employed or self employed.
If you’re employed and you are made involuntarily unemployed by your employer then you can claim under this cover.

If you are self-employed, the unemployment cover will pay you if your business becomes insolvent, you are declared bankrupt or your business goes into liquidation.
Unemployment cover pays out for a maximum of 12 months for each claim and for a total of 36 months over the life of the plan.
Unemployment cover will match the accident & sickness cover chosen and can't be taken on it's own. However, the two can have different waiting periods.

Who is eligible to apply for Mortgage & Lifestyle Protection?

Your need be permanently living in the UK

You will need to be aged 17-65

You will need to be employed or self employed

Sugar Island Financial Advice are your local experts on Income Protection and Mortgage and Lifestyle Protection here in Northern Ireland covering counties Down, Armagh, Antrim, Derry-Londonderry, Fermanagh or Tyrone. We are right here on your doorstep and can provide Income protection Insurance and Mortgage and Lifestyle Protection Insurance designed to meet the specific needs of you and or your family.

Get a 'No obligation' quote
Call us for a no obligation quote on 028 30252455 our lines are open Mon to Fri Between 8.30am and 8.00pm, Sat 9.00-5.00pm and Sun 9.00am-1pm or click the Enquire Now button opposite we’d love to hear from you!

The information on this website is subject to the UK regulatory regime and therefore targeted at consumers based in the UK.