What is Income Protection  - simply put Income protection pays out if you are unable to work due to an accident or an illness which then causes you to suffer a loss of earnings.

At CMS Ltd we know how hard it can be recovering from an illness or injury especially if this causes you to be bedridden, how would you pay the bills if you were sick or accidentally injured and couldn't work?

When the unexpected happens and you have no money coming in from your work, having the peace of mind that you have a plan that will pay out monthly a percentage of your income can be a real life saver.

For those lucky enough to have some income protection from their employers which can last for a period of time before they stop, others may have to rely on the statutory sick pay which would put a strain on most families household budgets.

Income Protection policies have no cash-in value at any time.  It's important that you continue to pay your premiums otherwise your policy will end and you will not be covered.

Payment Protection Insurance is optional.  There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.