Income Protection
Replace up to 70% of your income if you cannot work
Income protection insurance pays out a regular monthly income if you're unable to work due to illness or injury. Unlike critical illness cover, it pays out for any condition that prevents you from doing your job.
Policies typically replace up to 50-70% of your gross income and can pay out until you return to work, reach retirement age, or the policy ends.
Key Benefits
Long-Term Cover
Pays out until you return to work or retire
Any Condition
Covers any illness or injury that stops you working
Tax-Free Payouts
Monthly payments are not subject to income tax
Flexible Terms
Choose your waiting period and benefit amount
Why Income Protection Matters
Your income is your most valuable asset. If you couldn't work for an extended period, how would you pay your mortgage, bills, and living costs? Statutory Sick Pay is just £109.40 per week — income protection bridges the gap.
You can choose a deferred period (typically 4, 8, 13, or 26 weeks) before the policy starts paying out. A longer deferred period reduces the cost, so if your employer offers sick pay, you can align the deferred period with that.
Ready to Get Started?
Speak to one of our expert mortgage advisors today. We'll provide personalized advice and guide you through every step of your mortgage or insurance journey.
- Free initial discovery call
- Whole of market advice
- Support from start to finish