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It works when you can't

Being unable to work for medical reasons poses a serious financial challenge for most of us. Would you or your family be able to support themselves if you couldn't work because of illness or injury? What would you do to pay your rent, mortgage, and other living expenses?

Having income protection insurance can give you the peace of mind you need when you need it most. Any family’s lifestyle could be affected by a loss of income, and income protection insurance is designed to protect against this by providing a regular monthly payout. We offer free consultations. Just 30 seconds are needed to book a time and date that work for you.

Why choose us

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Expert advice in 3 simple steps

Book a fee free call

You can schedule a fee free no obligation meeting with an income protection advisor in less than 30 seconds

We'll call you back

Our advisor will call you to assist you in protecting your income in the event that you are unable to work.

And guide you through

With a friendly, knowledgeable income insurance insurance advisor by your side, we’ll help you every step of the way.


For when you can't work

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.

Alternatively, cover can be arranged for a limited period of time, which will result in a cheaper premium. The premium you’ll pay will vary depending on these factors and others such as your age, health, the nature of your job and, of course, the level of income you wish to protect.

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

Other types of income protection insurance

Payment protection insurance and short term income protection insurance (along with mortgage payment protection insurance and accident, sickness and unemployment insurance) can provide a monthly income if you can’t work due to an accident, illness / injury or, often as an optional extra, unemployment.

We’ll assign you a dedicated income protection advisor who will explain all the differences between the policy types.

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Protect your income

Income protection insurance will cover you for the loss of income you might suffer during the period in which you are unable to work (until the policy expires). It is possible to get shorter payment terms from some insurance companies, thus reducing the cost of these insurance policies.
  • What is an insurance advisor

    GHL Direct income protection insurance brokers are regulated financial advisors who specialize in general insurance. Their goal is to help you determine what type of insurance and level of coverage you need and recommend a policy that fits your budget. If your insurance needs are complex, their professional opinion can be invaluable.

  • How to apply for income protection

    In less than 30 seconds, you can schedule a consultation with one of our income protection advisors. We strive to make finding the right insurance policy as easy as possible for you. By using our live booking form, you can schedule a time and date, and your dedicated insurance advisor will contact you to discuss your options.

  • Illness and Injury Insurance

    If you’re injured or ill and can’t work, this insurance provides a monthly benefit. The benefit is usually payable after a waiting period of 4 weeks and is paid monthly in arrears. Depending on the level of coverage you require, the price of the policy can start at just £6 per month.

  • Income Protection Benefit

    A comprehensive insurance policy that provides a monthly benefit if you are unable to work due to illness or injury. An increasing plan will help protect the monthly benefit from inflation by allowing for a choice of waiting periods, limited benefit periods and increasing benefits as the benefit increases.

  • What you may get

    The terms and conditions of each provider vary, but generally speaking, in the event of an accident or illness that requires you to take continuous time off work for at least four weeks, your income will be protected. Maximum payouts are capped at £2,000 a month, based on 60% of gross income. Based on a gross income of £40,000, this is the maximum payout. The monthly payout will be capped at £2,000 if you earn more than this.

  • Cover if your unemployed?

    Being made unemployed won’t qualify you for illness and injury insurance. If you become unemployed while you have the policy, you can still claim if you become ill or injured, as long as you continue to pay for the policy. The policy cannot be taken out if you are unemployed. You need to work 16 or more hours per week.

View our free guides for an easy to read introduction on the insurance services we offer.
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