Education and quote comparisons help ensure no one is left vulnerable to income loss, publishes claybrooke.org.uk

Cardiff, Wales -- (SBWIRE) -- 01/11/2016 -- Though jobless rates across the United Kingdom reached a seven-year low of 5.4 percent in 2015, reports from the Association of British Insurers reveal an uptick in the number of individuals losing income due to injuries and illnesses. An estimated one million people each year endure job-related absences for durations of at least one month while another 250,000 are rendered unable to work altogether. Numerous families are left to struggle both emotionally and financially in the wake of this surge.

In light of the current income loss epidemic, spokesperson Kate Reid has announced the launch of the Claybrooke income protection cover website. Said Reid, "Previous unemployment rates, along with growing numbers of injuries and debilitating medical conditions, were primary driving factors behind the development of Income Protection Insurance. Our new website provides education about this type of cover while also acting as a comparison portal to help viewers find the best providers and policies for their individual needs."

Educators are among those most commonly affected by temporary incapacity. Despite typically being held to low levels of physical demands, members of this profession are at elevated risks for depression, anxiety and other stress-related conditions. Though teachers are granted paid leaves of absence, the duration and amount of financial compensation offered tends to fluctuate with stringent eligibility requirements in place. The claybrooke teachers income protection portion of the new website emphasizes exercising caution when comparing terms and conditions applying to policies of this nature as incapacity considerations vary by provider.

Those who oversee a company, whether alone or as a member of a team, are eligible for a few different options. While income protection for uk directors is available in a self-funded format, employer-financed versions are additionally offered. Each holds its own benefits and disadvantages with taxability being a primary concern among policy holders. Executive Income Protection geared toward company directors covers higher salary percentages than its counterparts.

Reid concluded, "Most people in our area have only a couple weeks' wages in their savings at best, so being unable to work for as little as a month could be devastating. Even though our job market has shown significant improvement over the last year, no one is completely invulnerable to lay-off or an employer going belly-up. Income protection insurance is readily available and could be an effective lifeline in a worst-case scenario. Our goal is to ensure no one is left susceptible to financial downfall in the event of income loss."

About Claybrooke Life Insurance
An independently operated firm, Claybrooke Life Insurance provides complimentary unbiased insurance quote comparisons as well as a range of policies from top U.K. providers for life, income protection and critical illness cover.

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Companies need to ensure they are protected when key personnel are no longer available and key man life insurance policies offer this protection, reports Claybrooke.org.uk

Cardiff, Wales -- (SBWIRE) -- 05/19/2015 -- Claybrooke Life Insurance wants to ensure companies are protected in the event a key person becomes unavailable either temporarily or permanently. When key personnel go down, it may be impossible to fill their shoes quickly, and companies need time to find a replacement that is suitable. The insurance policy allows the company to take the time needed to find the right person for the job and may mean the difference between remaining in business or closing the doors for good.

"With claybrooke keyman life insurance, companies find they may customize the plan to meet their specific needs. Some policies cover the illness or death of one or more key employees, yet others include stockholders. The stockholders often function as key decision makers, and their loss could have a major impact on the company and its operations," Kate Reid, spokesperson for Claybrooke Life Insurance, explains.

Any time key decision makers are unable to complete their duties, this may bring about a loss of business, the need for a reorganization of the entire company or the need to train new personnel. The insurance policy provides the funds needed to complete these tasks along with any financial ramifications associated with the loss. Each company determines the type of coverage needed, as they know best how the company will be affected in a situation such as this.

Companies need to understand the keyman insurance tax breaks, as some events are subject to taxes, yet others are not. Local tax laws play a part when determining if one will receive keyman life insurance tax breaks, Reid states. Furthermore, the premiums may only be deducted when the person insured by the policy is responsible for paying them, so companies may need to offer incentives to retain these individuals. These are only two of the many variables which play a role in the taxation of policies of this type.

Individuals covered by this type of policy must recognize the key man life insurance policy doesn't affect their ability to obtain personal life insurance. One may still obtain life insurance for parents, mortgage cover insurance, epilepsy life insurance and more when working with Claybrooke Life Insurance. Regardless of what happens in one's life, everyone deserves to have insurance protection in place, and the company remains committed to providing this protection.

"Contact Claybrooke Life Insurance today for a fast and free quote. Our comparison service allows each buyer to evaluate their options when it comes to insurance coverage and their budgetary restrictions. Everyone needs life insurance, as no one can know what the future holds. Make sure you are protected at all times. We are here to help you find the right policy or policies for your needs," Reid declares.

About Claybrooke Life Insurance
Claybrooke Life Insurance functions to help individuals find the best insurance policies for their requirements, based on their unique circumstances. The independent online life insurance website works in conjunction with Simply Online Media to help consumers find these policies and works with FSA authorized and registered market brokers. Consumers have no obligation to accept any quotes received.

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Cardiff, Wales -- (SBWIRE) -- 02/26/2014 -- Researchers at Cardiff University have discovered that Diabetes has tripled in the United Kingdom in the decade between 1991 and 2011. Professor Craig Currie reports to BBC Radio Five News that the occurrence of Type II Diabetes in patients under 40 has risen significantly. "They now account for 12% of all newly diagnosed cases." Dr. Phillip Lee a practicing General Physician told the Institute for Economic Affairs that "those with medical conditions caused by their lifestyle may have to make a contribution to their healthcare costs in the future."

With this in mind, Claybrooke Life Insurance Company seeks to bring Life Insurance options for those with serious health situations and obstacles like Diabetes. They have designed their website at www.claybrooke.org.uk to meet the needs of individuals who want to purchase insurance for extra support to protect themselves and their families, but usually find themselves left out of the insurance industry. Claybrooke Life Insurance has become the ultimate location for individuals looking for policies protecting them in times of critical illness and diabetes (www.claybrooke.org.uk/diabetes-life-insurance.)

Kate Reid of Claybrooke Life Insurance explains their goals this way, "In order to provide our clients with the best prices, Claybrooke Life Insurance does a detailed analysis of current insurance providers to find the best rates and benefits to match your current budget and needs." She goes on to let the public know, "We strive to use the best and most reliable companies available so you will see quotes from companies like Aviva, Ageas, and Friends Life, as well as other top insurance providers."

The Claybrooke Insurance website details what is necessary for diabetics to be approved by Life Insurance companies at claybrooke.org.uk/diabetes-life-insurance/affordable-life-insurance-for-diabetics/. Ms. Reid adds, "This website is designed as a one-stop-shop for all UK residents looking to secure a life insurance policy. In addition, we offer income protection and critical illness policies." Online videos from experts at Claybrooke Life Insurance offer education and tips for those with diabetes who need to know what is required of them when applying for personal insurance policies.

Kate Reid proudly states, "One thing we pride ourselves in at Claybrooke Life Insurance is our exceptional customer service. In addition, we try to provide our users with the best team of personal protection experts available in the business today."

About www.claybrooke.org.uk
Claybrooke Life Insurance has developed a website that allows those residents of the United Kingdom who have chronic and critical illnesses to apply for extra insurance protection. This includes life insurance for those fighting and living with the disease diabetes. They have made themselves an invaluable resource for unbiased education, information and online life insurance applications.

For more information on this press release visit: http://www.releasewire.com/press-releases/release-3.htm