Insurance
Income Protection
Your ability to earn is your most valuable asset. If illness or injury stopped you from working, how long could you manage financially? Income protection covers the gap — paying a regular monthly income so your life does not have to stop when you do.
What is your employment status?
How it works
Everything you need to know
Long-Term Cover
Unlike sick pay, income protection can pay out for months or even years — right up to retirement age if needed — ensuring you never run out of support.
Covers Any Illness or Injury
Not limited to specific conditions. If you are unable to do your own job due to illness or injury, the policy can pay out — regardless of the cause.
Deferred Period
You choose when payments start — typically after 4, 8, 13 or 26 weeks. A longer deferral period means lower premiums.
Self-Employed Specialist
Without sick pay from an employer, self-employed individuals are most vulnerable. We help the self-employed find appropriate cover quickly.
Up to 70% of Income
Policies typically replace up to 60–70% of your gross income, keeping it below your full salary so you are still incentivised to return to work.
Rehabilitation Support
Many providers offer additional services including physiotherapy, counselling and return-to-work support — included at no extra cost.
Related Protection
Consider these alongside your income protection policy.
Expert mortgage & protection advice, tailored to you.
