This provides income where you are ill or injured and as a result your earned income stops. If Houseperson’s cover is included, then it will pay out upon illness or injury, irrespective of any income stopping.

Having income protection removes the stress of replacing lost earnings at a difficult time. You can use the proceeds to continue paying your mortgage; bills and family lifestyle costs - allowing you to focus on getting better.

Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age). The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable. Reviewable cover normally changes based on the claims experience of the life assurance company.

THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

Main Office - Senator House,, 85 Queen Victoria Street,, London, EC4V 4AB, Telephone - 0203 962 1668

Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Novus Financial Solutions is a trading name of ASW Associates Limited Registered as a Company in England & Wales No. 11807280 Registered Address: 59b Mayplace Road East, Bexleyheath, Kent, England, DA7 6EA.

ASW Associates Limited is an Appointed Representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

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