Income Protection

girl on the beach These plans are designed to provide income in the event of sickness. This can either enhance sickness provision available through your employer or provide income if a sickness package is not available to you.

These plans are tailored to match existing provision so there may be a period for which no benefit will be paid, (known as the deferment period), e.g. if you have sickness protection from your employer for the first six months then you would select a 6 month deferment period on your plan. These deferment periods can be from 1 month to 24 months. Generally the longer the deferment period the lower the premium is likely to be. Benefit is payable from the end of your deferment period until you get back to work or when your plan term ends (normally retirement) or you die.

These plans are occupation specific so it is important you take independent advice to ensure you have the most suitable plan.

We have the facility to Email you quotes, all you need to do is complete the short data form under the quotes menuclick send and we will get back to you, or contact us here


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OnTrack Financial Planning Ltd. is authorised and regulated by the Financial Conduct Authority FCA Firm Number: 566312
Registered in Scotland, Registered No.SC406825, Registered Address: 6 Wallace Brae Grove, Reddingmuirhead, Falkirk, FK2 0FF.