Income Protection Insurance
Income protection insurance gives you financial security if you can’t work due to illness or injury. It replaces part of your income with monthly payments to help cover your regular bills and mortgage.
Our friendly advisers help you find the right income protection cover for your needs – explained clearly, with no jargon, pressure, or obligation to decide.
Protect your income and peace of mind with the right Income Protection Insurance
Income Protection Insurance That Supports You When You Can’t Work
Income protection insurance pays you a monthly income if you’re unable to work due to illness or injury. It can help you keep up with mortgage payments, bills, and everyday expenses while you recover – so you don’t have to dip into savings or rely on others.
We’ll help you understand how this cover works, compare policies from leading insurers, and find the right protection for your needs – giving you peace of mind that your finances are secure if you’re ever off work unexpectedly.
Why Income Protection Insurance Matters
Helping protect your home, lifestyle, and finances if you can’t work
Protect Your Income
If illness or injury stops you working, monthly payments can help replace part of your income – keeping your finances stable while you recover.
Keep Your Home Secure
Use the benefit to maintain mortgage or rent payments, so you can stay in your home and focus on getting back to work when you’re ready.
Peace of Mind
We compare policies from trusted insurers and help you choose straightforward, affordable cover designed around your circumstances.
How Does Income Protection Insurance Work?
Income protection insurance pays a monthly benefit if you can’t work due to illness or injury. It helps cover your bills, mortgage, and living costs while you focus on recovery.
Each insurer sets its own rules – including how long you must be off work before payments start, and how long they’ll continue.
Once approved, the money is paid directly to you to use however helps most. Our specialists can explain how each policy works and help you find the right fit for your situation.
How Much Does Income Protection Insurance Cost?
The cost of income protection varies depending on your age, job, income, health, and how long you’d like the cover to pay out. Generally, the higher the benefit and longer the payout period, the more you’ll pay each month.
You can tailor your policy to suit your budget – for example, choosing a shorter benefit period or longer waiting time before payments start can reduce the premium.
Every insurer prices policies differently, so it’s worth comparing options. We’ll explain how each choice affects cost and help you find the right balance between cover and affordability.
We compare life and mortgage protection policies from across the market to find the right cover for you.
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Why Choose Us for Your Income Protection Insurance?
Straightforward, Honest Advice
We’ll explain how income protection works in plain English – no jargon, no pushy sales talk. You’ll clearly understand your options so you can choose cover that fits your lifestyle and peace of mind.
Tailored to Your Situation
Whether you want to protect your salary, keep up with mortgage payments, or maintain your standard of living, we’ll help you find a policy that suits your needs – not a one-size-fits-all plan.
Simple Process, Regular Updates
From comparing quotes to setting up your cover, we handle everything for you. You’ll get clear updates at each stage, so you always know what’s happening and when your policy starts.
Access to Leading Insurers
As advisers, we compare policies from trusted UK insurers – including Aviva, Royal London, Zurich, and AIG – to find the most suitable and affordable protection for you.
Book Your No-Obligation Consultation
Your consultation, your way – meet in person, by video, or on the phone.
Face to face
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Telephone advice
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How Much Income Protection Cover Do You Need?
How to work out how much income protection cover you need – including simple formulas, real-life examples, and why “just enough” is often enough.
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Income Protection for the Self-Employed – What You Should Know
Self-employed? Learn why you’re more exposed without sick pay, what insurers need to see, and how income protection keeps your finances secure if you can’t work.
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What Is Income Protection and How Does It Work?
A plain-English explainer on how income protection works – the difference between short and long-term cover, how claims are paid, and why it matters.
Common questions we’re asked about critical illness cover and protecting your mortgage