DMS’ Income Protection Calculator very simply shows how much income protection your Client needs, how soon they need the first payment, and for how long.

Go to www.dms4stir.co.uk/advisers/cover-needs/  State Benefits are ignored in the calculation because they can take so long to come through.

When you were giving mortgage advice to your Client you discussed affordability in great detail.  Did you ask them how they would maintain their payments if their income was interrupted or ceased?

If you didn’t, why not do so now and protect both your Client and yourself.

Yours sincerely,

John Tegg

Director – Underwriting & Product Design