income protection insurance
Insurance that works while you can't.
Would you be able to pay your mortgage or bills if you couldn't work? For most of us, being unable to work for medical reasons would present a real financial problem.
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Income protection advice
Why choose us
Life's unpredictable, but your income protection shouldn't be. We'll find a policy that works when you cant.
Save Time
Don’t waste your valuable time researching income protection plans or completing long application forms. We’ll take care of it for you.
Save Money
We'll offer recommendations for your specific needs and circumstances. This ensures you're not paying for unnecessary coverage.
Get Exclusive Rates
By comparing plans from multiple insurance providers, we'll aim to find the right income protection quotes to keep your bills paid.
Protect your income
Focus on your health
Unexpected accidents or illness can be stressful enough without financial worries. income protection takes the burden off your shoulders, allowing you to focus on recovery.
If you’re unable to work due to illness or injury, income protection insurance can provide a regular, tax-free income to help you maintain your lifestyle.
Key benefits:
Financial stability: Covers your mortgage, rent, and other living expenses.
Flexibility: Choose a coverage period that suits your needs, from limited terms to lifelong protection.
Regular payments: Receive a portion of your lost income until you can return to work or reach retirement.
Tax-free benefits: Enjoy a financial boost without additional tax burdens.
Income protection insurance can be a valuable asset for many people, providing a financial safety net during times of illness or injury. Here are some key reasons why you might consider it:
Illness or Injury: Unexpected illnesses or injuries can prevent you from working and earning an income. Income protection insurance can help cover your living expenses during these difficult times.
Long-Term Disability: Some illnesses or injuries may result in long-term disability, making it difficult or impossible to return to work. Income protection insurance can provide a steady income stream for years.
Peace of Mind: Knowing that you have income protection insurance can provide peace of mind and reduce stress during difficult times.
What is it?
Income Protection Insurance is a type of insurance that provides a regular income payment if you are unable to work due to illness or injury. This can be a crucial safety net, helping to cover your living expenses and mortgage payments when your income may be reduced or lost.
Other policies
Payment protection insurance and short term income protection insurance can provide a monthly income if you can’t work due to an accident, illness or injury.
Quality vs cost
The old saying 'you get what you pay for' often holds true for income protection insurance. It might be tempting to go with the cheapest premium, but are you sure your insurer will be there if you need them?
Who's it for?
In essence, anyone who relies on their income to pay their rent, mortgage, bills or other financial obligations can benefit from income protection insurance. Its peace of mind, just in case.
Find income protection
For more personalised advice, we will assess your individual needs and recommend suitable income protection policies.
income protection
Your peace of mind
Income protection probably isn't at the top of you list, but it's a wise investment. It can provide a crucial financial safety net when you cant work.
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Find income protection Dealing with insurance can be time-consuming. An adviser can handle the paperwork and negotiations on your behalf.
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Simplify the process Our sole aim is to negotiate better terms or premiums on your behalf, potentially saving you money and time.
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Advice made for you: We'll assess your specific needs and recommend the most suitable income protection options for your situation.
how to get protection
Lets get you covered
Advice whenever you need it
Get expert insurance advice, from 8am - 8pm Monday to Friday & 9am - 6:30pm on Saturday & Sunday.
However you want
You can chat via phone, video call or face to face
income protection help
Insurance questions
Income protection insurance provides a regular income if you're unable to work due to illness or injury. This can help cover your living expenses and mortgage or rent payments.
Anyone who relies on their income to meet their financial obligations can benefit from income protection insurance.
This includes employees, self-employed individuals, and those with pre-existing health conditions.
The amount of cover you need depends on your lifestyle and financial commitments. Generally, you'll want to aim for a policy that replaces a significant portion of your lost income and enough to pay your monthly outgoings.
A waiting period is the time you must be unable to work before your income protection benefits start. This can be a few days, weeks, or months.
The benefit period is the maximum length of time that you can receive income protection benefits. This can be a limited term or lifelong.
Your income protection benefits may be reduced if you return to work part-time.