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Income Protection


Most employers offer some level of sick pay but what happens when this runs out? If you suffer an accident or sickness often you may need time to recover which is much longer than your employer will pay you for. Or you maybe self-employed and benefit from any sickness pay at all!


This is where income protection comes in. Designed to give you a monthly income should you be unable to work and ensure you are able to continue to pay all your normal bills, mortgages or rent


There are many different options available so when your employees sick pay scheme runs out you can rest assured yours doesnt!


Being fully qualified to offer advice , we are more than happy to talk through the options


We are also often able to obtain better cover than you already have at a reduced premium!


Talk to us today about your requirements and a non-obligatory quotation


Fosters Mortgage Services is a trading name of FOSTERS (UK) Limted, which is authorised and regulated by the Financial Conduct Authority under 628833.

The Financial Conduct Authority does not regulate Will writing, trusts and some forms of Buy To Let mortgages and tax planning.

The Information contained with this website is subject the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

FOSTERS (UK) Limited, 20 Fairleigh Road, Clevedon, North Somerset, BS21 7XA  


Home & evening visits available - 01275 541 548

Income Protection


An income protection policy will pay out a monthly amount for the term of the policy should you be unable to work due to an accident or illness.


We work with you to understand your current income and expenditure and tailor a plan around this also taking into account your employers sick pay scheme.


These plans should never be 'bought off the shelf' as there are so many options attached to them.



- Choice of deffered periods


- Short-term policies availible


- Policies up to retirement age


- Increase benefit option


- Split cover period options


- Choice of payment periods


- Self employed cover




Family Income Policy


A family income benefit policy is designed to protect your dependants and loved ones financially should something happen to you.


A policy would provide a tax-free lump sum to your family every month for the duration of the policy term. This can be in the event of death or even upon diagnoses of a critical illness.

These can be especially useful in ensuring that children are financially supported should they have to be looked after by their appointed guardians.


There are many option available so contact us today to make an appointment for more information and a personalized illustration




-  Increasing benefit policies


-  Cover for death


-  Cover for death and/or Critical illness


-  Ability to place proceeds into a trust


-  Single or joint policies