Income Protection
Replacing a portion of your earnings if you cannot work due to illness or injury.
Income protection pays a regular monthly benefit if illness or injury stops you working, helping you keep up mortgage payments and bills until you recover or the policy ends. For most working-age homeowners it is the most valuable protection they can hold.
How It Works
You choose a deferred period (how long before payments start), a benefit amount (a percentage of earnings) and a term. The policy then pays monthly until you return to work, retire or the term ends. We set each lever to fit your sick pay and savings.
Own Occupation vs Suited Duties
The definition of incapacity is the most important part of any policy. 'Own occupation' pays out if you cannot do your specific job; 'suited' or 'any occupation' definitions are stricter and cheaper. We prioritise own occupation where your budget allows.
Long-Term vs Short-Term
Long-term cover pays for as long as you cannot work; short-term policies pay for a fixed period such as one or two years. We compare both and recommend the structure that balances cost with genuine protection.
Our Approach to Your Cover
- Own Occupation Prioritised. Where affordable, we recommend policies that pay out if you cannot do your own job.
- Aligned to Sick Pay. We set the deferred period to match your employer's sick pay so cover kicks in when needed.
- Covers the Bills. We calculate a monthly benefit that keeps your mortgage and essentials manageable.
Frequently Asked Questions
Protect Your Ability to Earn
Income protection keeps your mortgage and bills covered if illness or injury stops you working. Speak with our team.
Direct Office Tel:
01625 430444Why Speak to Us First
As independent advisers we compare the whole of market rather than a single insurer, so the cover we recommend is chosen for your circumstances — not a sales target.