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A low credit score can not only make it difficult to obtain credit in the future but may also affect the rates you pay for insurance, whether a landlord will rent to you, and even whether an employer will hire you. These are types of insurance policies that enable you to meet your financial payments, should circumstances beyond your control, like involuntary redundancy; mean you are without an income to continue to meet your financial obligations. The amount of income protection you need depends on your monthly outgoings, including things such as mortgage or rent payments, credit card payments, utility bills and food costs. There may also be policy limits, such as a maximum monthly amount of debt payment that will be covered and a maximum number of months it will be paid while you are unemployed. Get Started.