Craig Pearce

A great night/morning 😂🍻

That’s the U’15’s season officially over with, Caden coming away with Most Improved. A great night had by all.

Ely Valley JFC presentation 22/23 a great night as always. 👏👏

Embrace this beautiful day as an opportunity to push through any challenges and reach new heights. You're halfway through the week, and success is within your grasp. ✨

Remember, every small step counts. Whether you're chasing your dreams, conquering a project, or simply striving to be your best self, today is your chance to make progress. 🚀

So take a deep breath, gather your strength, and let's make this Wednesday one for the books! 💫 Believe in yourself, stay focused, and keep that positive energy flowing. You've got this! 💥

Tag a friend who needs some midweek motivation and let's inspire each other to reach new heights!

Hey there! Did you know that only 6% of self-employed workers in the UK have something called income protection insurance?

That's not a lot! Income protection insurance is a special type of insurance that helps you out if you can't work because you're sick or injured.

If you don't have income protection insurance, it could be really tough for you and your family if you ever get sick or injured and can't work for a long time. And did you know that the average time people need to take off work on a claim is between 14-16 months? That's a really long time to be without any money coming in!

So if you're a self-employed worker, it's a good idea to think about getting income protection insurance. It can help you pay for things like bills and living expenses while you're getting better and can't work.

Remember, it's always better to be prepared, so talk to an adviser you trust and find out how it can help you if you ever need it.

Book a call with me today: https://lnkd.in/e2R5pac5

THE COST OF INCOME PROTECTION IS TYPICALLY LOWER THAN THE POTENTIAL FINANCIAL LOSS THAT COULD OCCUR WITHOUT IT

As a business owner or self-employed construction worker you face a significant risk of losing your income. In the event of an injury or illness that prevents you from working, you may not have any income to rely on.

This has proven to create a financial strain, making it difficult to pay bills, meet financial obligations, and maintain your lifestyle.
In addition, the stress of financial difficulties has the potential to cause you further health problems, exacerbating the initial injury or illness. Furthermore, the inability to earn income may affect the ability to maintain your business, leading to further financial losses.
Income protection can provide you a safety net in the event of unexpected circumstances. It offers you financial security and peace of mind, knowing that you have a source of income to rely on if you are unable to work.

By investing in income protection, you as a business owner or self-employed construction worker can protect yourself and your family from the financial risks associated with the loss of income.

1 - LOSS OF INCOME
2 - MEDICAL EXPENSES
3 - FINANCIAL INSTABILITY

Calling Construction workers, are you aware of the cover that you have in place? Do you even have any?

Life is full of surprises and that includes unexpected financial challenges due to sickness or injury.

Income protection insurance acts as a shield providing you with a safety net. Construction can be tough on the best of times - if you were to be sick or injured - have the cover in place that will enable you to rest up and be fully fit before you go back to work.

Don't leave it to chance !!!

Always good to get feedback, even better when it’s like this.

RECENT SURVEY RESULTS.......

Questions asked:

Does your employer offer a full 12 months package for sickness or injury? 29% YES & 71% NO.

Would Statutory Sick Pay (SSP) cover the cost of your living?
11% YES & 89% NO

Do you have enough savings to cover you for 60 days if you were off work due to sickness or injury? 38% YES & 62% NO.

Income Protection insurance gives you cover if you can’t work, due to either serious illness or injury. What would your financial situation look like should you ever need to be off work? Would your savings support you enough to pay the bills?

BETTER TO HAVE IT AND NOT NEED IT, THAN TO NEED IT AND NOT HAVE IT. Without income protection you would have to survive on whatever savings you had. This would have to last you until you were able to return to work or even longer.

There are many benefits to income protection, the main one giving you piece of mind by securing a regular income. Lever of cover can vary to suit your needs and it offers financial support in case of injury or illness. Some companies offer short-term income protection which only pays for between 2 to 5 years. However, income protection insurance can provide cover until you are able to return to work.

There are so many plans out there that vary from lump sum payments of up to £300k, to plans that will pay you up to 70% of your taxable income on a monthly basis. On many policies, you can claim as many times as you need to, as long as the policy lasts.
Income Protection Insurance is not available for everyone, Some insurers dont like to insure people with high-risk jobs such as: divers, miners, armed forces and fishermen. If you are in a high risk job, it's still always best to check with a protection adviser.

DO YOU NEED INCOME PROTECTION?
Some factors to consider when deciding about income protection and if you need it or not:

Does your employer offer a full 12 month package for sickness or Injury?
Would Statutory Sick Pay (SSP) be enough to cover your cost of living?
Family or Partner, would they have enough income to help support you?
Savings, do you have enough to see you through for at least 60 days?

Always speak with a protection adviser, there are many factors to take into consideration; health, income, age, s*x, job/career. All these will affect the premium cost, an adviser will help you by quoting various options for you to then make an informed decision.

Play Sport?

More and more people are turning to personal injury insurance for peace of mind.

What would your financial situation look like should you need to take time off work through sickness or injury?

I've been there, done that and got the T-Shirt. Its not nice.

After taking out insurance I have received a cash lump sum and monthly payments to see me through whilst being off work. I would recommend personal insurance to anyone.

FOR AS LITTLE AS 50p A DAY........

For a free consultation on policies that would best suit you, please drop me a message or call 01443 804333 .