Income Protection

We all know that Income Protection is hugely undersold or advised on in the UK, despite it being widely accepted as one of the most important personal protection products.

The phrase ‘Plug The Gap’ is well known. In the UK Critical Illness Insurance out sells Income Protection by around 5 to 1, whilst providing essential cover in certain circumstances it doesn’t necessarily cover the impact of not having an income.

You need to ask yourself:

  • What happens if you are unable to work due to an accident or illness?
  • Do you receive any sick pay from your employer and if so, for how long?
  • Do you have any savings to cover you if they were unable to work?
  • If you self-employed, well how do you pay yourself if you not out there working and earning?
  • What would happen to the things dependent on that salary or income?

Why not send us a copy of your employers sick pay benefits, and we can discuss exactly what you have in place and maybe find an affordable solution to plug any gaps?

Think about the long term affects

  1. Pension contributions stop
  2. Savings reduce to cover any day to day necessities
  3. Lifestyle changes have to be made to fit the new budget
  4. Mortgage or rent payments could become unaffordable

An Income Protection policy would help prevent any hardships and provide you with the protection you need.

We all hope that the people we speak to are not unfortunate enough to need to make a claim, but when they do, they are always thankful to have been advised on the right protection.

Justin Fordham and his team at JF Financial Associates are passionate about offering honest advice to everyone. We are also desperately trying to bridge this gap of lack of advice for people who need income protection.

We are that passionate that we are offering fee free consultations to anyone looking to review their current insurance portfolio. (*we don’t charge you a fee for our consultations because the insurance companies we use will pay us a commission for offering the advice on their behalf. We also use a network approved panel of trusted providers who all pay similar commissions. This means we are not single tied or favour one provider over another. Quite the opposite, it means we will always select the most suitable provider from our panel to suit your specific situation.)

Get Fee FREE advice! Call us now on 0345 50 88 588

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"Very helpful throughout the remortgage process and very good at explaining everything in simplified terms we could relate to and not just financial jargon."


Thank you very much for all your hard work obtaining our first mortgage, which was so difficult to get providing our limited finances! Your assistance has been invaluable, and we would have never achieved this without you! We would have no hesitation in using your services again or, indeed, in recommending you to anyone who requires services of a mortgage & insurance specialist.


This was from a client we have been working with for over 7 years now: "Many thanks for all your hard work and effort to obtain our mortgage offer! I can't tell you how it feels for us to have gone from having nearly 100k of debt and a 'hopeless case' to getting a high street mortgage (in less than 7 years!)


Justin was recommend by my bother who had his mortgage arranged with him a couple of years before. The set up process was very easy, Justin got me on the phone, found out my needs and financial details and then came back a couple of days later with three options for me to pick from. After than things went smoothly, Justin and his team were VERY helpful, they even helped fix a couple of problems caused by my solicitors. On the day of completion Justin was on the phone making sure everything was fine as were his team. I felt very well looked after and even decided to arrange extra life cover with Justin.


We have been a client of JF Financial for almost 9 years. Justin goes above and beyond to ensure everything runs smoothly. The service this company provides is 5 star. Would 100% recommend JF Financial.


Knowing Justin is a blessing, I had couple of re mortgage with JFinancial. Very friendly & stress free service, Justin always look after all small details before the application. Hassel free , as long you have all uptodate documents. Great service. Just talking to him is a great pleasure.


I would like to thank Justin from J F Financial for his extremely professional service. After my recent stage one interview which was to understand all aspects of my financial position he was able to tell me more about my finances than I knew myself. Justin gave me clear, decisive advice which enabled me to put things in place to secure future financial stability. I initially went to Justin to see if he was able to help secure an acceptable rate on the re-mortgage of my property as it had come to the end of its term and slipped into variable rate. This was something that I did not think was possible in today’s current financial market. Justin not only matched my existing interest rate but secured this rate for the next 5 years. From Stage one to completion of the mortgage I found this to be a very smoothly run and professional service and would not hesitate with recommending Justin from J F Financial to any of my family or contacts in the future.


Just thought would drop you a quick line to say thank you for all your help with helping us along the process of buying our flat. We are all settled in now and loving it!! I will highly recommend you to all my friends, as it was a pleasure dealing with you and you made the whole process a lot less stressful. Once again many thanks for all your help and your useful knowledge.


Thank you very much for your help, it’s a pleasure dealing with you and will definitely recommend you to my family and friends. Easy remortgage with no hassle!!! Thanks again.


This was a big help in meeting all my needs, very helpful and professional


5 star service. Could not recommend JF Financial highly enough. Justin assisted us throughout the whole house buying/selling process. He made one of the most stressful processes in life easy and hassle free. Was always available for any advice, even out of office hours! Would never look elsewhere for any financial advice in the future.


We have just completed on our 2nd mortgage arranged by Justin. We wouldn’t consider going to anyone else as JF Financial Associates are friendly, professional and determined to find the best mortgage for our ever evolving needs. Justin is able to explain the whole process in an understandable way, making sure you are fully aware the next stage of the process. I have no hesitation in recommending their services. Mr & Mrs Wallis. West Sussex.