income protection

The salary that you earn is often reflective of the hard work that you’ve put in to your career but what happens if you’re taken ill and you’re unable to work?

Statutory Sick Pay won’t cover the bills and even if your employer gives you a generous sick pay package, the chances are it won’t last longer than twelve months.

An Income Protection Plan is the best way of protecting yourself and your family so that even if you’re ill, you won’t have to worry about your financial situation.

At Harper Financial we specialise in finding you the right package that fits your specific needs.

No two clients are the same, which is why there’s little or no point in ‘off the shelf’, ‘one size fits all’ packages. Instead our advisers will sit down with you and listen to what you want, giving you sound, solid and effective advice, the sort of advice that delivers peace of mind.

If you are taken ill, the last think you want to worry about is your finances.

If you’d like to talk to a specialist Income Protection adviser then give us a call on 01392 401801, we’d be delighted to help..

The current level of Statutory Sick Pay is £109.40 per week. Compared to the £408.75 per week living wage.*


An Legal and General (L&G) which was released in November 2020 which looked at how financially resilient households really are. In the report it explains that the average household believes it could last 90 days, if it were to lose its income and rely solely on savings. However, in reality, it is just 24 days.


40% of households can’t survive a month without income.** 5 million self-employed workers don’t get sick pay.§ 75% of all long-term work absence is caused by illnesses not covered by critical illness policies.§§



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