Your income protection insurance experts

If you can’t work due to illness or injury, income protection insurance can give you the financial security you need. It replaces your salary, covering any regular outgoings and protecting the things you care about most.

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Don't wait until it's too late

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Let us help with your income protection insurance

We think you’ll love our income protection advice, its designed to protect you, your home & your family if you’re unable to work because of an accident or illness. Our expert income protection advisors are always ready to chat. You don’t even have to leave home, we are very flexible and offer appointments over the phone, via video call or face to face, wherever & whenever you feel comfortable.

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Simple, stress free insurance advice in just 3 easy steps

Book Your Free Call

Just 20 seconds is all it takes to book your free income protection call. You don’t have to visit a branch, there won’t be traffic, or parking either. Just select the best time and day for you, and we’ll call you right back.

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We'll Search For You

Using our expert product knowledge, we will put together a personal recommendation for you. We aim to find the right cover from the UKs top providers including Zurich, Vitality, L&G, LV & Aviva.

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And Do The Paperwork

Assuming you’re happy with our recommendation, we’ll work with you to complete the application forms and stay in touch throughout the process Your income protection advisor is with you every step of the way,

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Income Protection Insurance FAQs

Our insurance experts understand you probably have many questions, so we thought we’d answer some here first. If not, our insurance advisors are always on hand to answer your questions.

You won’t have to wait long at all. Simply send your details using our booking form and we should be able to get you an appointment with a income protection advisor within the hour.. Our calendar lets you choose any day & time, the choice is completely yours.

It really only takes 20 seconds to send us your details, tell us when to call and your all done. We will assign your insurance advisor based on your postcode or whoever we think will manage your requirements best.

Your initial meeting with our GHL Direct insurance advisor can last up to one hour, though it does depend on the complexity of your circumstances.

Our critical illness cover advice is always free and without obligation, you don’t pay a single penny. If you decide to proceed, our advisors will take commission from the income protection provider. Your insurance advisor will outline all this to you at the start of the meeting, transparency is key to our business.

Your initial meeting is very relaxed & will include a ‘fact find’ session, which enables the insurance advisor to understand your current circumstances, future goals and priorities. We also have to say if there are any limits to the range of insurance products we can recommend for you. Using our expert income protection knowledge and access to some of the top uk providers we will find the policy that is most suitable for you & your family.

It may be tempting simply to opt for the cheapest policy available. But it is important to bear in mind that whilst many products may look the same, there can be important differences between them that can be difficult to spot. This is particularly important with income protection insurance, where the cover available from different providers varies more significantly. Care should be taken to select a policy that is most suitable for your particular needs. We can help you make the right selection.

To make the most of your time with your income protection advisor it can be handy to have any questions ready. Have an idea of why you think you may need it and what you want from it, just in case the worst happens.

Very good question and we more than happy to answer this. GHL Direct & our insurance advisors are regulated by the FCA (Financial Conduct Authority) which means we are fully authorised to offer financial advice in the UK. You can verify this at the FCA website

Expert income protection advice.. just in case.

If you’d like to explore the specific options for your circumstances, or simply check if you have the right level of cover in place, we’d be really happy to help.

What is income protection insurance

Income protection insurance pays out a regular tax-free income if you become unable to work because of illness, injury or – with certain policies – compulsory redundancy. It could help you keep up with your mortgage repayments or rent, and other day-to-day living costs until you are able to return to work. You can arrange cover to replace a percentage (normally up to 70 per cent) of your lost income until you reach retirement, return to work, or die, whichever happens first.

Who needs it?

If you become ill or suffer an injury during your working life, an income protection policy can help protect against possible loss of income and give you the peace of mind you need to concentrate on recovery.