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Income Protection

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Take out Income Insurance with The Insurance Clinic and get a £100 Amazon.co.uk Gift Voucher*

 

*See full Terms & Conditions

The Insurance Clinic is an Independent provider of Income Protection insurance policies

Income Protection Insurance is a type of insurance contract which pays out a monthly sum like an income should you be unable to work due to accident or illness during the term of the contract. The cost of a policy is determined by a number of factors including your age, health, lifestyle, your occupation, and smoking status.

Which Income Protection Brands do we work with?

 

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You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.

We will never share your information with a 3rd party. We hate spam just as much as you do!

Why Choose Us

We are the Number 1 reviewed (five star ★★★★★) Insurance Advice company in Belfast and beyond by Google. Contact us today for trusted advice.

We are familiar with the insurance policies for all of the major providers, we lookout for pitfalls and problems on your behalf to find the correct insurance for you.

We offer independent advice, and can find you the best deals available for your circumstances!

The Insurance Clinic

Why Buy Income Protection Insurance with The Insurance Clinic?

 

We work with the Leading UK Providers

We work with the leading UK providers of Life Insurance to bring you high quality options at competitive prices.

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We compare the different options available to you

Our Service is simple…. We conduct a price and quality comparison, analysing the benefits of all policies on the market for you, and then we arrange the most suitable policy for you.

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We give you advice

This is ideal if you don’t know where to start….we explain all of the different types of Life Insurance policies, and all of the different options available to you, giving you sound advice as to which option is most suitable for you.

Want an Income Protection Insurance Quote?

Start your quote

Request a Callback

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Data notice:
You consent to us storing and using your name, email address, IP address and phone number for the purposes of responding to your enquiry. For more information please see our privacy policy.

We will never share your information with a 3rd party. We hate spam just as much as you do!

What would happen to your finances if you weren’t able to work? Are you financially prepared?

Our income is often the centre of our life, whether we like to admit it or not. Without money how would we eat? Who would pay for our heating and electric bills? What about our mobile phones and broadband? Think how much you spend on a monthly basis – What would you do?

What would you do if your income stopped? If you were sick or had an accident, meaning you weren’t able to work, how long could you survive financially? Of course there is Statutory Sick Pay (SSP) but that pays only £94.25 per week – how long could you survive with that income?

What would you do if you were made unemployed? How long could you survive financially with no income?

At The Insurance Clinic we want to make sure that you can continue to pay your household bills and living expenses no matter what happens. We always recommend cover for income protection in the event that you are unable to work due to accident or sickness, or unemployment.

Did you know?

Long Term Illness Causes 12% of workers to quit before pension age in the UK. In N.Ireland this figure rises to 25% (*BBC September 2016)

Even if your employer provides sick pay benefits such as full pay for 6 months, you should still consider the longer term impact of an illness or accident. The average amount of time that people are off work sick or due to an accident is 5 years! We can tailor a plan to fit around your employer benefits so that you aren’t paying for cover that you don’t need.

At The Insurance Clinic we will discuss your protection needs fully to make sure that you have cover in place to suit your needs and your budget.

We are independent providers of Income Protection and our hand-picked insurers provide various levels of cover, with additional benefits available, and all have excellent claim payment history. We want to help you and your family financially in the event that you are unable to work, and stop receiving your income, allowing you to look after what really matters – you and your loved ones!

From Our Clients

“Cannot recommend this insurance adviser highly enough. I came across Helmut’s website after searching online, and I am so pleased that I made contact.  I was apprehensive about the options available to me. I explained my financial position to him and he was confident that he could assist me. He found several insurances that I was eligible for, and they were at a considerably different amount than the price comparison sites offered me initially.”

L Cairns

“As a first time buyer I was nervous about the house buying process. Helmut, mortgage advisor belfast at The Mortgage Clinic made the whole thing stress free and was very efficient with every detail. He organised both my mortgage and insurances, providing great mortgage advice and getting the best deals for me. I would like to thank Helmut for being so accommodating when meeting me and so meticulous meaning I didn’t have to worry about anything. I would definitely recommend anyone to use this service”

E. McNamee, Lurgan

“We sourced Helmut Elstner as our mortgage adviser. We were first time buyers and very new to the process. Helmut from The Mortgage Clinic was able to provide the guidance we needed and process all information in our home and at times that suited us. He was always in constant communication and was able to find us the best mortgage deals available in a very short space of time. His advice fee was very reasonable compared to any other mortgage adviser we had met. The mortgage he suggested was perfect for what we needed. The process felt much easier with Helmut on side and proceeded at a great pace. We would advise anyone to use Helmut from The Mortgage Clinic for any mortgage or financial needs, a five star service!”

J&M, Belfast

“I would highly recommend The Mortgage Clinic to anyone. Helmut dealt with my first mortgage and then re-mortgage in a very professional and efficient manner. Dealing with an independent mortgage advisor gave a flexibility to pick tailored product that worked for me. Helmut brought to my attention details I would have never considered and saved me a lot of money and hassle.
I felt well looked after and that my needs were the priority. The best mortgage advisor I have ever came across and I have high confidence in his services.
Thank you !”

Miss E Piasecka

Terms and conditions -

1) This life insurance & Income Protection Insurance voucher offer (this "Offer") is promoted by The Mortgage Clinic and The Insurance Clinic who are trading styles of The Mortgage & Finance Clinic Ltd (the “Promoter”, "we" or "us"), whose registered office is at 68-72 Newtownards Road, City East Business Centre, Belfast, BT4 1GW.  This Offer is governed by these terms and conditions (the "Terms and Conditions").

2) To be eligible for this Offer, you must comply with these Terms and Conditions and meet all of the following criteria (the "Eligibility Criteria"):

  • You must be a UK resident aged 18 or over;
  • You must not have received any other voucher or other promotional benefit from us, in respect of a life insurance policy or Income Protection policy purchase, at any time. This means that if you have received a voucher under any other life insurance or Income Protection policy promotion run on The Mortgage Clinic or The Insurance Clinic in the past, you will not be eligible for this Offer;
  • You must purchase a life insurance policy or Income Protection policy after 00:01 on 21st of December 2020 (the "Offer Start Date") through The Mortgage Clinic and The Insurance Clinic online only. This means, for example, that purchases of other types of insurance policy, or purchases before the Offer Start Date, are not eligible for this Offer;
  • Once that life insurance policy or Income Protection policy has begun, you must make 6 premium payments in relation to it, in accordance with the policy's terms and conditions; and
  • You must follow the voucher claim procedure set out below.

3) Once you have met the Eligibility Criteria, you will be entitled, subject to these Terms and Conditions, to one voucher with a face value of £100 redeemable at Amazon (the “Voucher”). The Voucher you select will be subject to the issuer’s (i.e. Amazon) own terms and conditions (which are different from ours). It is very important that you read and understand these terms and conditions before you claim your Voucher. They will be made available to you at the point when you claim your voucher.

4) This Offer is limited to one Voucher only, in respect of the first life insurance policy or Income Protection policy purchased by one individually named person after the Offer Start Date, and no other policy. This means that if one individually named person purchases more than one life insurance policy or Income Protection policy from the Promoter's website after the Offer Start Date, the second and any subsequent policy purchases which that person makes will not be eligible for a Voucher.

5) The Promoter reserves the right to withhold a Voucher if, in its fair judgement, it appears that a person claiming it does not meet any of the Eligibility Criteria, or it appears that one individually named person is claiming (or has claimed) more than one Voucher in respect of more than one life insurance policy purchase after the Offer Start Date. The Promoter also reserves the right to require reasonable proof of identity from a person claiming a Voucher.

6) The Vouchers are subject to availability, and the retailers in which they are redeemable may be changed by the Promoter in its absolute discretion. The Voucher is non-transferable, non-negotiable and cannot be substituted for any other gift, voucher or cash value. The Promoter accepts no responsibility for any costs associated with the Voucher you select.

7) Our Privacy Policy explains how your data will be used, this can be found on https://theinsuranceclinicuk.co.uk/privacy-policy-3/

8) Voucher claim procedure: you will receive an email from The Mortgage Clinic or The Insurance Clinic within 40 days, starting from the day after you make your 6th premium payment under the relevant life insurance policy or Income Protection policy (the "Qualifying Date"). The email will be sent to the email address that you provide to us during your purchase of the relevant life insurance policy. You must respond to the email and you will be asked to claim your Voucher. The terms and conditions of the retailer will be available to you at the point of claiming your Voucher. If you have not responded to the initial email sent within 40 days after the Qualifying Date, a further email reminder notification will be sent to you one month after the Qualifying Date. If you do not respond to the original or reminder email within 14 days of receiving the reminder email, you will no longer be eligible to receive the Voucher.

9) Your Voucher will be dispatched to you directly from The Mortgage Clinic or The Insurance Clinic. This will be by either email or post. They shall endeavour to dispatch the Voucher within 28 days of claiming your Voucher. If the Voucher is not received then you should contact the The Mortgage Clinic or The Insurance Clinic team on 02895609410, their helpline is open Monday to Friday 9.00am to 5.30pm.

10) To the fullest extent permitted by law, the Promoter does not accept any responsibility or liability under or in connection with these Terms and Conditions (including without limitation any responsibility or liability as a result of technical fault, computer or electronic malfunction, or incomplete, illegible, lost or fraudulent entries). Any statutory rights you have are not affected.

11) The Promoter reserves the right, at its sole discretion, to cancel or modify this Offer and/or these Terms and Conditions, at any time before you have accepted it/them, including but not limited to terminating the Offer at any time.

12) As of the Issue Date below, this Offer supersedes and replaces all previous life insurance voucher offers promoted by the Promoter.  By issuing this Offer on the Issue Date, the Promoter terminates all previous life insurance voucher offers (to the extent they have not already expired in accordance with their own terms and conditions).

13) If any paragraph in these terms and conditions is found by any court or administrative body of competent jurisdiction to be invalid or unenforceable, such invalidity or unenforceability shall not affect the other paragraphs of these terms and conditions, which shall remain in full force and effect.

14) These terms and conditions shall be governed by and construed in accordance with the laws of N.Ireland. The Courts of N.Ireland shall have exclusive jurisdiction in connection with these terms and conditions.

Issue Date: 21st December 2020