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PeeKay Finance Products_Income Protection


Income protection is an insurance policy that pays out if you are unable to work due to illness or injury*. The policy gives you peace of mind that you can still afford to pay some or all of your bills instead of relying on savings.

How it works

The amount you receive when you claim is based on a percentage of your earnings. This varies between providers, with the average being between 50%-70%, and reflects that claims are paid tax free. The policy can ensure you continue to receive your regular income until you either retire or are able to return to work. According to ABI, one million workers a year find themselves unable to work due to prolonged illness or injury.

  • Income protection is different from critical illness cover, which can pay out one lump sum if you have a specific serious illness.

  • You can normally claim as many times as you need to during the duration of your income protection policy.

However, each policy is different, so it is worth discussing with myself before taking any insurance policy out to ensure you are receiving the most suitable cover for your needs.

If you are self-employed, you need income protection to protect a proportion of your monthly earnings should you be unable to work to any accident or sickness. Speak to me to discuss how it could work for you


Critical illness cover can provide you with a lump sum of money in the event you become seriously unwell and are unable to work. This helps to give you peace of mind, so you can focus on rest and recovery with a great deal less financial pressure, and look to the future positively.

How it works

Critical illness cover can depend on several factors such as age, current health, occupation, length of policy and affordability. You can determine how much cover you can afford and can get a lump sum if you become seriously unwell and are unable to work. Critical illness cover could help you to reduce your mortgage or pay off debts so that you can focus on your recovery.

  • You can take critical illness cover as part of your life insurance policy or separately.

  • It is important to be aware that some providers may only pay out a lump sum once, so you may lose your final lump sum on death if you have already claimed.

To find out if critical illness cover is right for you, speak to me to find

*The policies define what conditions are covered, so choose wisely and speak to one of our protection advisers to decide on the most appropriate cover for you.

suitable cover for you.


Life insurance is an insurance contract that pays out a lump sum of money to your dependants in case of your death. It is there to provide financial reassurance that they will be looked after if you are no longer there. If the worst were to happen, life insurance means your loved ones can receive a lump sum or a regular income after you are gone.

  • This could cover bills such as funeral costs, pay off debts or mortgage payments.

  • The cost of life insurance is based on several different factors such as age, health status, your lifestyle and income.

  • Everyone’s circumstances are different, so it is recommended you speak to one of our protection advisers to discuss the right policy for you.

To find out if life insurance is right for you, speak to me today and let me work with you to find the most suitable policy for you.

Peace of mind

No one likes talking about what happens after you are gone, however, a life insurance policy means you know your family is covered.


Home insurance can protect your house and everything in it. Home insurance generally falls into two categories; buildings insurance which covers the structure of your home and contents insurance which covers everything within it. You can buy these policies separately or together.

How it works

Your home is filled with your most cherished possessions and because no two homes are the same, finding the right protection for you is vital. That’s why it’s recommended to speak to me before taking out a policy to ensure you achieve the right cover for you.


Private medical insurance provides access to high-quality private facilities and medical treatments quickly, at a time and place that suits you.

How it works

The private medical insurance market has become very confusing, as insurers try to differentiate themselves and reduce costs. Therefore, you need to choose a policy wisely and look at the small print as it is unlikely that many policies are the same. Private medical insurance isn’t aimed at long-term care or for conditions you have already when you take out a plan.

Like all insurance, the cover you get from private medical insurance depends on the policy you buy.

  • Basic private medical insurance usually covers the cost of in-patient treatments.

  • Other, more comprehensive schemes may cover a broad range of conditions and could include physiotherapy and alternative medical solutions such as acupuncture.

Everyone gets free comprehensive treatment on the NHS, but private medical insurance may be for you if you want to avoid waiting lists or have surgery that may not be available elsewhere.

Speak to me to see if private medical insurance is right for you.



Income Protection

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Critical Illness Covers

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About Us

Pee Kay aka Primrose is an FCA Regulated Financial Advisor and Protection Specialist that helps families protect against life’s biggest financial risks. 


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