We have first-hand experience of the day to day risks Key Workers expose themselves to and how this can affect the underwriting of insurance when reviewing risk and cost. We also want to support those that are continuing to work and expose themselves to risk throughout this pandemic in hospitals and schools across the UK.
Income Protection is a policy that will pay a monthly sum to replace a percentage of your salary if you are not able to work. This is useful cover but needs tailoring to your specific needs based on your current employment benefits. Public sector workers in the UK normally have good sick leave cover but it is vital to ensure that outside of this contracted period you and your family maybe cover yourselves against financial risks.
The Key Worker Group specialise in understanding the benefits offered by NHS, Police, Fire, Teacher and Key Worker contracts and will use this information to find you the best available cover. Due to the cover offered by your employer, income protection can often be deferred for an extended period of time which can help reduce premiums.
If you are interested in any of the protection products offered by the Key Worker Group, please contact us here and we will arrange a no obligation protection review.