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    • Introduction to Savings & Investments
    • Capital Investment Bonds
    • Offshore Collectives
    • Junior ISAs
    • National Savings Products
    • Endowments
    • ISAs
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    • Collectives
    • Unit Trusts
    • OEICs
    • Investment Trusts
    • Fixed Interest Investments
  • Business Protection
    • Introduction to Business Protection
    • Key Person
    • Share Protection
    • Directors' & Staff Benefits
    • Income Protection
    • Relevant Life Cover
    • Employers' Liability
    • Professional Indemnity
  • Mortgages
    • Introduction to Mortgages
    • Mortgage Repayment
    • First Time Buyer
    • Remortgaging
    • Standard Variable Rate Mortgages
    • Fixed Rate Mortgages
    • Tracker Mortgages
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    • Offset Mortgages
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    • Self Build Mortgages
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    • Introduction to Equity Release
    • Types of Equity Release
    • Lifetime Mortgage
    • Home Reversion Plan
    • Drawdown Lifetime Mortgage
    • Home Income Plan
    • Costs
  • Pensions
    • Retirement Planning
    • National Employment Savings Trust (NEST)
    • Occupational Pensions / Auto Enrolment
    • Annuities
    • Income Drawdown / Unsecured Pension
    • Personal
    • Stakeholder
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    • SSAS
    • SIPP
    • Executive Pension Plan
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    • Introduction to Wealth Management
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  • Income Protection

Income Protection

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

It is designed to replace most of your net income.

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.

Income Protection

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

It is designed to replace most of your net income.

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.

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Company address: Hartley Hepworth Financial Planning Ltd, Howbrook Farm, Howbrook Lane, Sheffield, South Yorkshire, S35 7EH T: 0114 2848808 E: info@hartleyhepworth.com

Hartley Hepworth Financial Planning Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.

Hartley Hepworth Financial Planning Ltd is registered in England and Wales, Company No: 04675658. Registered Address: Howbrook Farm Howbrook Lane, Howbrook Wortley, Sheffield, South Yorkshire, S35 7EH

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

Approver Quilter Financial Services Limited and Quilter Mortgage Planning Limited.

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