Keep your income flowing if illness stops you earning.
If illness or injury leaves you unable to work, your income could suddenly stop.
But your mortgage, bills and everyday expenses won’t.
Income protection provides a regular monthly payment to help keep your finances flowing while you recover.
How we help:
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Free and friendly advice
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Identify the right policies for you
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Compare suitable insurers
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Find the best cover for your budget
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Handle the application form from start to finish
What is Income Protection?
Simple. You pay a monthly premium and, if illness or injury prevents you from working, your policy can pay you a regular income after an agreed waiting period.
It typically covers a proportion of your earnings, helping you:
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Pay off the mortgage
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Cover your everyday bills
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Replace lost income
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Pay for treatment or care
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Adapt your home or lifestyle
Payments continue until you return to work, your policy's payout period ends, or your cover expires, whichever comes first.
You could be exposed without it.
Your home. Your car. Even your phone. You probably insure them all.
But what about the income that pays for everything?
Illness or injury could leave you unable to work for months, putting your finances under serious pressure.
That's where income protection comes in.
It can provide a regular monthly payment if you're unable to work due to a wide range of illnesses or injuries, not just serious medical conditions.
And if you're self-employed, with no company sick pay to fall back on, protecting your income is even more important.
We’ll help you choose the right type of life insurance.
There are several different options to protect the people you love.
Long-term income protection
Designed to provide a regular income if illness or injury prevents you from working for an extended period.
Depending on your policy, payments could continue until you recover, retire or reach the end of your cover.
Short-term income protection
Provides a regular income for a limited period, typically one or two years per eligible claim.
It can be a more affordable way to protect yourself against shorter periods away from work.
Guaranteed or reviewable premiums
With guaranteed premiums, the cost is fixed for the agreed policy term, unless you change your cover.
Reviewable premiums can change over time, making it important to understand what you might pay in the future.
And we’ll help you…
…calculate the cover you need
We'll look at your earnings, mortgage, bills, savings and any sick pay from your employer to work out how much protection you need.
…choose the best provider
We'll compare policy definitions, waiting periods, payment durations, exclusions, support services and payout records to help you choose quality cover.
…get the best possible price
We'll compare suitable policies and providers to help you get the right protection at the best possible price.
The golden rule:
Some cover is better than none.
If you can’t afford the ideal amount cover, protect what you can.
The golden rule:
Don’t judge on price alone.
Look beyond the premium at the quality of the cover you’re getting.
The golden rule:
Don't leave it too late.
The younger you are when you take out cover, the lower your premium is likely to be.
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