No Sick Pay, No Safety Net, Until Now
Based on a real case. Every personal detail has been changed.
The Situation
A sole trader with variable income assumed income protection wasn't available or affordable.
What We Did and the Outcome
We established an insurable income from two years of accounts and arranged own occupation income protection with a three-month deferred period at a premium that worked within their budget.
“Variable income is not a barrier. The right structure makes cover genuinely accessible.”
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Income Protection for Self-Employed People
How cover works when you have no employer sick pay and your income varies.
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Details changed for confidentiality
Declined Twice Online, Accepted at Standard Rates
History of anxiety and antidepressants triggered automatic online declines.
Read the case study →Example scenario, not a real client
What Would Happen to the Business If a Key Person Couldn't Work?
A two-director limited company had no protection in place for either director. A serious illness would have left the business unable to operate.
Read the case study →Details changed for confidentiality
High-Risk Job, Still Got Full Cover
A client working in a hazardous occupation had been told by a comparison site that cover wasn't available at standard rates.
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