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Income Protection Insurance provides a monthly income if you can’t work through Illness or Injury.

When you’re ill or injured and can’t work, Income Protection Insurance is there to support you.

It pays a proportion of your lost earnings so you can concentrate on looking after your health and wellbeing and getting well to be able to return to work without adding stress and panic about how you will continue to pay your bills during this period.

For insurance business we offer products from a choice of insurers.

How does Income Protection Insurance work?

Income protection insurance is designed to be a backstop if you are unable to work for a period of time where your employer’s sick pay benefit ends. An example would be if your employee sick pay covered you for 3 months but you were unable to return after this initial sick pay period.

The policy would be deferred for months, to take account of the 3 months your employer would continue to pay you, and after the 3 months is up then the income protection insurance policy comes into force and pays a tax-free amount directly to you to cover bills and costs.

We work for our customers around the clock, and pride ourselves on never leaving you waiting for an answer.

What Income Protection Insurance options are available?

There is a range of income protection insurance options available to suit client requirements and budgets.

  • Living Costs Protection – This policy offers a maximum monthly income of £1500 and is paid for a maximum of 12 months post the deferral period for each claim. The policy, if maintained, continues even if a claim is made and can be claimed on for each subsequent allowable illness/injury.
  • Short term Income Protection – A range of insurers offer short term income protection insurance that will normally cover up to 60% of your gross monthly basic wage for a period of up to 2 years after the initial deferral period. Again, as long as the policy is maintained then subsequent claims, that are validated by the insurer, can be made.
  • Full Income Protection – This policy will protect your income up to the end of your mortgage term, or retirement age, should you become ill or have an injury where you are unable to return to work again. I.e. it will pay you an income from the point of illness/injury for as long as is left on your mortgage term or until you retire.
  • You can consider fixed income options which remain the same throughout the time that you hold the policy for or increasing options where the income payable rises in line with inflation.

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