Income Protection Insurance
Replace your income if you're unable to work due to illness or injury — so you can focus on recovery, not bills.
FCA Regulated
Extensive Lender Panel
Based in Uxbridge
UK Wide Coverage
24hr Response
5★ Reviews
Income protection insurance pays a regular monthly income if you can't work due to illness or injury. Unlike critical illness cover (which pays a one-off lump sum), income protection provides ongoing support until you return to work, reach retirement age, or the policy ends. It's the closest thing to a financial safety net for your earnings.
How Income Protection Works
- Pays up to 60–70% of your gross income (tax-free)
- Covers almost any illness or injury that prevents you working
- Pays out after a chosen deferral period (typically 4, 8, 13 or 26 weeks)
- Continues paying until you recover, retire or the policy ends
- Premiums can be guaranteed or reviewable
Who Should Consider Income Protection?
- Self-employed workers with no employer sick pay
- Contractors and freelancers
- Anyone whose employer only offers statutory sick pay
- Higher earners who would struggle on reduced income
- Mortgage holders who need to keep up repayments
Frequently Asked Questions
Ready to Get Started?
Speak with one of our expert advisers today — initial consultation at our expense, and without obligation.