Helping you maintain an income if illness or injury prevents you from working
For most people, their income pays for everyday life — from mortgage or rent payments to household bills and living costs. If illness or injury meant you couldn’t work, the financial impact could be significant.
Income protection insurance is designed to provide a regular replacement income during periods when you’re unable to work, helping you stay financially stable while you focus on recovery.
Income protection is designed to support you financially if you’re unable to work due to illness or injury. These three areas explain how it works and who it’s designed for.
Income protection insurance is designed to pay a regular income if you’re unable to work because of illness or injury. Rather than paying a one-off lump sum, it provides ongoing financial support to help cover everyday living costs while you recover.
If you’re unable to work, income protection can pay a proportion of your income after an agreed waiting period. Payments can continue until you return to work, reach the end of the claim period, or the policy term ends — depending on how your cover is set up.
Income protection can be suitable for employed, self-employed, and contract workers — particularly where sick pay is limited or uncertain. Cover can be tailored around existing benefits, savings, and personal responsibilities.
Income protection policies can be tailored in different ways depending on your work, income structure, and priorities. Understanding how cover is assessed — and what influences it — helps ensure the policy fits your real-world circumstances.
Income Protection is designed to replace a portion of your income if you’re unable to work due to illness or injury. The way the policy is set up — including when it pays out, how long it pays for, and how much it covers — can be tailored to suit your job, income, and financial commitments.
The deferred period is how long you wait after being unable to work before the policy starts paying out. This is often chosen to align with employer sick pay, savings, or other support you may have in place — helping keep premiums affordable without leaving gaps in cover.
The payout period determines how long the policy will continue to pay your income if you remain unable to work. This could be for a fixed number of years or right up until retirement, depending on your needs and long-term financial responsibilities.
The policy term is how long the cover remains in place. Many people choose income protection that runs until their planned retirement age, ensuring ongoing protection during their working life as circumstances evolve.
Many people understand the idea of income protection but still feel unsure about whether it’s necessary for them right now. These are some of the most common reasons people delay cover — and what’s worth considering before deciding.
Employer sick pay can be helpful, but it’s usually time-limited and may change if you move jobs, change contracts, or become self-employed. Income protection gives you control over your cover — rather than relying on terms set by your employer.
Savings can provide short-term support, but long periods off work can quickly reduce them. Income protection is designed to protect your savings, helping ensure they’re available for emergencies or long-term plans rather than day-to-day living costs.
Most claims arise from common illnesses or injuries rather than serious or rare conditions. Income protection is about planning for the unexpected — protecting your income before your health or circumstances change.
Modern income protection policies have clear definitions and strong claims records when set up correctly. We focus on recommending policies with clear wording and helping you understand exactly when and how a claim would be paid — before you take cover out.
“Income protection should complement your mortgage, savings, and wider financial plans. We consider how all these pieces work together, helping you protect your income without over-insuring or duplicating cover.”
Modern income protection policies have clear definitions and strong claims records when set up correctly. We focus on recommending policies with clear wording and helping you understand exactly when and how a claim would be paid — before you take cover out.
Income protection works differently depending on whether you’re employed, self-employed, contracting, or running a business. We structure cover around your income, not generic assumptions — including bonuses, variable earnings, and changing work patterns.
We explain how income protection works in plain English — from deferment periods to payout terms — so you understand exactly what you’re paying for and when it would pay out. No pressure, no confusion, no surprises later.
Income protection should complement your mortgage, savings, and wider financial plans. We consider how all these pieces work together — helping you protect your income without over-insuring or duplicating cover.
Still have questions and not sure where to turn? Feel free to contact ME for some straight forward advice based around you
Choosing the right protection can feel overwhelming at first. These FAQs cover some of the most common questions we’re asked, helping you understand how protection insurance works and what to consider before getting started.
Income protection insurance pays you a regular monthly income if you’re unable to work due to illness or injury. It’s designed to help cover everyday living costs — such as your mortgage, bills, and essentials — while you focus on recovery.
Most income protection policies cover up to around 50–65% of your gross income, depending on your employment status and insurer. We’ll help you understand what level of cover is realistic and appropriate based on how you’re paid.
Income protection doesn’t usually pay immediately. Policies have a deferment period — often 4 weeks, 8 weeks, or longer — which is the time you’re off work before payments begin. The right deferment depends on your sick pay, savings, and employer benefits.
This depends on how the policy is set up. Some policies pay for a fixed period (e.g. 2 or 5 years), while others can pay right up to retirement age (usually a maximum age of 70) if you remain unable to work. We’ll explain the differences so you can choose what fits your needs and budget.
Many employers only provide short-term sick pay, and policies can change if you move jobs. Income protection gives you personal cover you control, not something tied to your employer — providing longer-term security if illness or injury lasts longer than expected.
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