Income Protection
We’re here to help you find the right cover to protect your income and give you peace of mind for whatever lies ahead.
Financial Security When You Need It Most
Unexpected illness or injury can prevent you from working, but your financial commitments don’t stop.
Income Protection provides a regular monthly payout to help cover essential expenses if you’re unable to work due to illness or injury, giving you the peace of mind to focus on your recovery.
What is Income Protection?
Income Protection is designed to replace a portion of your income if you’re unable to work due to illness, injury, or disability.
Unlike a one-off lump sum payout from critical illness cover, this policy provides a regular monthly payment until you’re well enough to return to work or reach the end of your policy term.
This financial support can be used for:
✔ Household bills and daily expenses
✔ Mortgage or rent payments
✔ Medical treatments and rehabilitation
✔ Supporting your family during recovery
With an Income Protection policy in place, you can focus on getting better without the added stress of lost income.
Who Can Apply?
✔ UK resident (excluding Channel Islands
and Isle of Man)
✔ Aged 18 to 59
✔ Employed or self-employed with a regular income
Policies can be tailored to ensure you have financial support when needed.
Why Us?
✔ Expert, Honest Advice
✔ Personalised Policies
✔ Comprehensive Protection
✔ Flexible Benefits
✔ Support Beyond Insurance
What Is/Is Not Covered?
✅ Conditions Covered
Policies can cover a range of events, from an accident to an extended time period off of work due to illness.
Income Protection provides financial support if you’re unable to work for a chosen deferred period until you are either fit to return to work in some cases or you retire, or until the policy ends.
Income Protection works with:
🩺 Long-term illness or chronic conditions
🦵 Injury from accidents
🧠 Mental health conditions preventing work
🏥 Medical conditions that require extended recovery
Your policy will pay out monthly until you’re able to work again or until the policy term ends (subject to t&c's)
❌ What's Not Covered
While Income Protection provides extensive financial support, there are some exclusions:
❌ Pre-existing medical conditions (unless declared and accepted by the insurer)
❌ Self-inflicted injuries or illness due to drug/alcohol misuse
❌ Redundancy or loss of work for reasons other than illness or injury
❌ Not meeting the deferred period before making a claim.
It’s important to choose the right deferred period for your policy, which determines how soon your payments begin after you stop working.
How Income Protection Cover Works:
If you’re unable to work due to a covered illness or injury, your policy will provide you with a monthly benefit after a pre-agreed waiting period.
Payments will continue until:
-
You recover and return to work
-
Your policy term ends
-
You reach your retirement age (depending on your policy)
✔ Monthly payouts to help cover essential expenses
✔ Flexible cover options tailored to your needs
✔ Protection for employed and self-employed individuals
Why Should I Consider Income Protection Cover?
An unexpected illness or injury doesn’t just affect your health—it can also disrupt your financial stability and your family.
If you were unable to work due to a serious condition, how long could you manage your bills, mortgage, and daily expenses without your regular income?
Would your savings be enough to support you and your family while you recover?
Income Protection Cover provides a monthly tax-free payout, ensuring you have financial security when you need it most. Instead of worrying about lost earnings, you can focus on your recovery with peace of mind, knowing your essential expenses are covered.
Whether it’s keeping up with household bills, covering medical costs, or maintaining your family’s lifestyle, this policy offers vital support during difficult times.
Our insurance professionals are here to help you find the right level of cover, tailored to your circumstances and budget—so you can make the best decision for your future and financial well-being.
Make A Claim
If you’re unable to work due to illness or injury, the claims process is simple:
✔ Contact the insurer to inform them of your situation
✔ Provide medical evidence, such as a doctor’s report or proof of inability to work
✔ Complete the waiting period (deferred period) before payments begin
✔ Receive regular monthly payments until you recover, return to work, or reach the policy’s end.
Income Protection ensures financial stability, allowing you to focus on recovery without the stress of lost income.
