Critical Illness and Income Protection both give you essential protection should you become injured or too ill to work.

With no employer to provide you with sick pay or insurance benefits, this type of cover can be especially important for self employed and freelance photographers. 

Consider what would happen if you were seriously injured or became too ill to earn a living. Would you be able to make your savings last or would you have to rely on state benefits or a partners income? For a relatively inexpensive sum, Critical Illness and Income Protection could protect you against a number of serious illnesses and accidents, helping you pay for medical treatment, adaptations to your home, or day to day expenses.

It’s worth noting that there are a number of differences between the two types of cover, so we would advise looking into both to decide which one would be most suitable for your work and lifestyle.

Critical Illness

Critical Illness Insurance pays out a single lump sum directly to you if you were ever to suffer a ‘critical illness.’  Types of illnesses covered should be specified in your policy document.

The policy is not linked to your income and you can choose the amount of cover you’d like. Common ‘critical illnesses’ typically claimed for include cancer, heart attacks, strokes and multiple sclerosis.

Income Protection

Income Protection provides a regular payment to meet your living expenses until you recover from injury or illness and are able to return to work.  This can sometime be long term and it could be the case that you have to take lower paid work if you have a permanent disability that prevents you working as a photographer.

A big advantage of Income Protection Insurance is that it will cover you for practically any medical condition that prevents you from working. This includes stress, back problems, and mental disorders as well as serious injuries and illnesses.

At Infocus we know that it pays to get expert help before arranging this type of cover.

The best way to ensure you get the cover you need is to seek advice from an Independent Financial Adviser.  At Infocus we can ensure you get the right policy that will meet your needs should you ever need to make a claim

To find out more, or to request a quote from Infocus Photography Insurance please get in touch with a member of our team.