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New Cardiff intermediary specializing in income protection insurance

Pure Options

An insurance intermediary has opened in Cardiff. Pure Options is to focus on income protection insurance. The firm is backed by the Welsh assembly government's Single Investment Fund.


Pure Options has identified a large but poorly served market as there are 24 million people in the UK without income protection insurance, despite one-in-six being at risk of long-term incapacity due to illness or injury.


Income protection is an insurance policy that provides you with a monthly tax-free payment if you lose your job or cannot work due to accident or sickness. It is designed to cover the cost of your essential outgoings such as mortgage, loan and credit card repayments, food, utility bills and council tax. The benefit paid is tax and National Insurance free. The maximum amount available will depend on the policy you choose but is usually the lower of a fixed sum or a percentage of your earnings; such as up to 60% of your normal gross monthly income.


Why choose an income protection policy?


Cover for loss of income due to accident, sickness or unemployment

  • Choose how much cover you need each month to protect your outgoings

  • Choose when you want your cover to begin

  • Change your cover as your life changes

  • Choose how long you want your policy to last


Income protection insurance: News update: 17 June 2010


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