Your Hawke FS Brokers will help you properly understand your options and decide which policy type is best for you. They will research the current market to find you competitive and comprehensive cover.

Your Adviser will also ensure that the appropriate support is in place for getting you back to work at the right time for you. They will help you get your life back on track once you have come through the period of unemployment. In short, your personal Adviser will ensure that everything is done to leave you with complete peace of mind.

John, 27, a talented stock broker is employed and lives alone. He receives sick pay for 6 months and does not have any savings.

The household bills are not serviced if John is not earning so in this instance one might recommend a Income protection policy that pays out after 6 months for a period of 2 years as a maximum or until John gets better. However due to John’s age a policy that paid for the until he was better or the duration of the term might not be that different in cost and in a highly stressful environment (trading) he could get signed off work due to stress for many years.

Kate, 42, a skilled consultant working for the NHS lives with her children and husband Rupert. The NHS pay her sick pay for 12 months and Rupert is working as well and they have ample savings.

In this scenario we would consider how relevant is it that Kate has Income protection. This is due to they level of cover she has through her employer is substantial; the savings could cover the mortgage costs for a significant duration of time and Rupert could afford the mortgage with just his income alone.