Sickness or injury can affect any of us, at any age and at any time. It can take us out of work short-term, long-term or permanently, potentially leaving us without an income or a means to get by financially.

An income is a lot to go without. Many say they would rely on their work sick pay scheme – but this may be time limited. Others say they would rely on the savings they have set aside – but incapacity could see your hard-earned savings depleted in no time. So, what would happen next?

That’s where Income Protection Plus from PG Mutual comes in.

An Income Protection Plus plan offers a financial safety net for the times that you or your colleagues are unable to work due to incapacity. It can pay a regular income up until they are well enough to go back to work or reach age 65, whichever comes first.