Keep Your Income Safe.
Even If You Can’t Work
Long-term or short-term protection that replaces part of your income if illness or injury stops you from working.
What Is Income Protection?
Income protection is an insurance that provides a regular monthly income if you’re unable to work due to illness or injury and sometimes redundancy. Working within your personal budget you can choose how long the payments will continue. Payment can range from 1 year to an indefinite period up to retirement. You also decide how soon the policy will start paying out. Some people choose cover that begins after one month, while others align the start date with the end of their employer’s sick pay.
A sudden drop in household income can place significant financial strain on you and your family. Income protection helps provide peace of mind, knowing that your bills are covered even if you’re unable to go to work.
When considering Income Protection, it’s important to have a clear understanding of your employment benefits so that the policy works for you when it is needed. And it’s not just for employed workers, if you are self employed you can also benefit from this protection policy.
Who Should Consider It?
Employed
Sick pay should not be overlooked but If you are unable to return to work after your sick pay ends, could you afford your regular household bills?
Self Employed
Often overlooked by self employed workers however IP is likely to be more beneficial to you without the employment benefits.
Renters
You may not have a mortgage to worry about, but what would be the impact on you continuing to pay you rent and bills If you lost your income?
Home owners
You’ve secured the dream home, now you need to think about longevity. Would you be able to stay in this home if there was a drop in salary?
You have savings
Think about how long your savings could cover you for if you were unable to work. Would it be enough to pay for your essential outgoings until you can go back to work? And would you be happy spending your savings on bills.
You have a family or dependants
Does your family rely on your salary? What impact would losing your income have on them?
Types of Income Protection
Short-Term Policies
- Pay-out for 1–5 years
- More affordable option
Long-Term Policies
- Pays until retirement age
- Strongest financial security
Why Choose Us?
- Clear explanation of cover options
- Comparison across multiple UK insurers
- Tailored advice based on your budget and lifestyle
- Fast and simple application process
We review tax documents, accounts, and bank statements to determine your actual borrowing potential.
Tailored to You
We compare the UK’s top insurers to ensure your policy matches your health, lifestyle, and financial goals. Whether you’re single, married, or a parent, we’ll find the right level of protection.
