Lycetts Financial Services

Income Protection

Lycetts’ personal protection experts guide you through the best available income protection policies on the market.

Income protection insurance comes in many guises, and choosing the right policy can seem daunting without the right guidance. Lycetts is experienced in helping clients to select the best policy for them, depending on their personal finances and their employer’s provision in the event of an accident or sickness.


This type of policy is usually arranged as a percentage of annual earnings and is paid out as a regular income after a pre agreed waiting period. It is usually also paid tax free. It differs from payment protection insurance (PPI), the widely miss-sold insurance product, in that it pays out to the policyholder, not the lender, and it usually continues until you return to work, retirement or death.


A small minority of employers make allowances for absences from work for more than one year, and therefore it is worth assessing how personal expenses, such as mortgages and dependents, will be covered in the event that you are unable to work.

Get in touch

We’ve offices located all across the United Kingdom

And we’re always available for you by telephone or email whenever and wherever you need us.

Contact our expert directly or alternatively complete your details below to contact the team.

Jan Farnworth


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Lycetts Insights

Lycetts Insights provides updates on topical issues and key events.

Read more about developments both in insurance and at Lycetts.


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Key person insurance

May 22, 2017

According to research by Legal and General, 40 per cent of small businesses would cease trading within a year if they lost a key person. The smaller the business the more impact the loss of an individual will have. There are ways to mitigate such a loss and the most simple is Key Person Insurance (KPI - also known as key man...

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