MISSION STATEMENT:
“With over 15 years experience, ISM Financial Management has built an excellent reputation for providing quality advice and ongoing client care which are of utmost importance to our business.”
Income Protection
Income Protection Cover is insurance that pays out a regular monthly benefit if the person covered suffers a loss of income because they are unable to work for an extended period of time due to incapacity caused by an illness or injury.

The person covered must prove they are unable to perform either the essential duties of their occupation or a number of specified daily activities and inability to perform an activity must be the result of an illness or injury.

You should consider taking out Income Protection Cover if you:
  • are employed, self-employed or a house person
  • live in the UK
  • normally aged between 18 and 59 when cover starts
  • need to protect your earnings


Family Income Benefit

Family Income Benefit would provide a regular income of a set amount for a period of years. Under this type of arrangement no lump sum is payable, so if you were to die a regular income would be paid out for the remainder of the term of the plan.

For example, if you were to set an income of £1,000 per month over 20 years and died in 17 years time, an income of £1,000 per month would be payable for the remaining three years and then the cover would end. A regular income payable to your family in the event of your death.
investment strategies
pension planning
family/business protection
tax planning
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