Marta Scott-Manuszewska
Founder
Expert Income Protection Advice
Securing Your Financial Future with Marta Scott-Manuszewska
As a member of the prestigious Income Protection Task Force #7Advisers, Marta Scott-Manuszewska brings unparalleled expertise to income protection planning. Under her leadership, Five Star Mortgages was named Best Protection Firm 2023 by New Leaf Distribution, reflecting our commitment to exceptional protection advice.
Understanding Income Protection Options
Income protection insurance is highly customisable to your specific needs. Here's what you need to know:
Cover Duration Options
Full Term Cover (until retirement)
Short Term Cover (typically 1, 2, or 5 years)
Combined Cover Options
Premium Types
Age-Costed Premiums
Starting lower and increasing with age
Flexible budget options
Suitable for short-term planning
Level Premiums
Fixed throughout the policy term
Long-term cost efficiency
Predictable monthly payments
Indexed Benefits
Protection against inflation
Annual benefit increases
Maintaining real-world value
Understanding Deferred Periods
The deferred period is a crucial element of income protection - it's the waiting time between when you become unable to work and when your policy starts paying out. Choosing the right deferred period can significantly impact your premiums:
4 weeks: Ideal if you have minimal sick pay or savings
8 weeks: Suitable for those with short-term sick pay
13 weeks: Most popular choice, balancing cost and coverage
26 weeks: Higher savings or longer employer sick pay
52 weeks: Longest deferred period, lowest premiums
Your choice should align with:
Your employer's sick pay scheme
Personal savings buffer
Monthly budget for premiums
Risk tolerance
Additional Benefits Comparison
Modern income protection policies offer more than just financial support. Here's what different insurers provide:
Health & Wellbeing Services
24/7 GP Access
Mental Health Support
Physiotherapy Services
Second Medical Opinions
Wellbeing Apps and Resources
Rehabilitation Support
Return to Work Programs
Occupational Health Services
Workplace Assessment
Phased Return Support
Family Support
Childcare Benefits
Family Counselling
Carer Support
Bereavement Counselling
Why Choose Marta for Income Protection Advice?
✓ Member of elite IPTF #7Advisers group
✓ Led Five Star Mortgages to Best Protection Firm 2023
✓ Award-winning adviser within New Leaf Distribution
✓ Access to whole-of-market protection providers
✓ Comprehensive comparison of insurer benefits
✓ Personalised recommendations based on your circumstances
Our Protection Product Range
Life Assurance
Critical Illness Cover
Income Protection
Family Income Benefit
Expert Guidance Every Step of the Way
Understanding income protection options can be complex. Marta and her award-winning team will:
Assess your current financial situation
Review your employer's existing benefits
Analyse your protection needs
Compare provider benefits and premiums
Recommend the most suitable solution
Support you through the application process
Take the First Step to Financial Security
Complete our enquiry form below, and Marta will personally contact you within 24 hours to discuss your income protection needs.