Income Protection
Income protection replaces part of your income if illness or injury stops you working.
Your income is your foundation.
Protect it.
Life happens. Accidents happen. Unexpected illnesses happen. But your finances don’t have to spiral because of them. Income protection keeps your foundations secure.
- Your bills don’t stop if you can’t work
- Time to recover without financial pressure
- State support is limited for most people
- Helps protect your home and future plans
How income protection works for you.
- Regular monthly income
Provides ongoing payments to help replace part of your income while you’re unable to work. - Short-term or long-term cover
Choose payouts for a set period or right through to retirement. - A waiting period that suits you
Set your deferred period around your savings, sick pay, or employer benefits. - Designed for how you earn
Suitable for employed, self-employed, contractors, or those with multiple income streams. - Optional added support
Features like back-to-work help or inflation-linked benefits may be available, depending on the policy.
For insurance business we offer products from a range of insurers.
We make income protection personal — because your income is personal.
Start your application
We take time to understand your employment, lifestyle, existing sick pay, and financial expectations so your policy truly fits your world.
Frequently asked questions
What percentage of my income is covered?
Most policies cover up to around 60–65% of your income, depending on your circumstances and the insurer.
Why should I consider income protection?
Your income supports your lifestyle, mortgage, and future plans. If it stops, income protection helps keep money coming in when you need it most.
How long do payments last?
You can choose how long payments continue — from a short-term option (such as 1–2 years) to long-term cover that can last until retirement.
When would the policy start paying out?
Payments begin after a waiting period (also called a deferred period), which you choose to match your savings or sick pay arrangements.
Can I get income protection if I’m self-employed or a contractor?
Yes. Income protection is available for employed, self-employed, contractors, and those with multiple income streams.
Does income protection cover mental health conditions?
Many modern policies do, though terms vary between insurers.
Could I claim on the policy more than once?
Yes, in many cases you can. Income protection is designed to support you whenever you’re unable to work due to illness or injury, so if you return to work and later need to claim again, the policy can usually pay out multiple times.
Will my premium change over time?
It doesn’t have to. We often recommend linking cover to the Retail Price Index (RPI), so the level of protection keeps pace with the cost of living and maintains its real value over time.
What affects the cost of a policy?
The cost is influenced by things like your age, health, lifestyle, occupation, the type and level of cover you choose, and how long it runs for.
