Income Protection Keep Your Income Going If You Can't Work
Income protection can pay you a monthly benefit if you can't work because of illness or injury, helping you keep up with your bills and mortgage.
WHY INCOME PROTECTION MATTERS
Help Keep Your Income Going If You Can't Work
Statutory Sick Pay is up to £123.25 a week for up to 28 weeks, and you have to be classed as an employee to get it. Income protection can help fill the gap.
Replace Part of Your Income
A monthly benefit can help cover your bills if illness or injury stops you working.
Keep Up With Your Mortgage
Regular payments can help you keep up with mortgage payments and household costs.
Self-Employed or Contracting
If you're self-employed, you can't get Statutory Sick Pay, so income protection can be especially important.
Support Your Family
Help reduce the financial pressure on the people who depend on you.
UNDERSTANDING COVER
Know What Your Policy Is Designed To Do
Income protection policies differ, so it's important to understand how yours works.
Monthly Benefit
If illness or injury stops you working and you meet the policy's definition of incapacity, a monthly benefit may be paid, subject to the policy terms.
Deferred Period
Payments start after a waiting period you choose when you take out the policy. Some insurers offer 4, 8, 13, 26 or 52 weeks.
Definition of Incapacity
Policies set out when you count as unable to work. With an own-occupation definition, it's when you can't carry out the main duties of your own job.
Full or Limited Payment Period
Some policies pay until you return to work or the policy ends. Others pay for a limited period, such as 12 or 24 months.
Illness and Injury, Not Unemployment
Income protection is for illness or injury. It typically doesn't pay out if you become unemployed or are made redundant.
Claiming Again
Some policies let you claim again, for example if you're unable to work for a different reason after returning to work.
YOUR CHOICES
Your Cover Is Shaped By The Choices You Make
When you take out income protection, these choices affect how your cover works and what it costs.
Deferred Period
How long you wait before payments start. Many people match it to their employer's sick pay.
Monthly Benefit
How much you're paid each month. Some insurers cap it at 60% of the first £60,000 of your income and 50% above that.
Benefit Period
Whether payments can continue until your policy ends, or only for a limited period, usually offered as a lower-cost option.
Your Occupation
Your job affects how your cover and any claim are assessed.
Your Health
Your health and medical history may be considered when you apply.
Other Income
Some insurers reduce your benefit if you still receive income, such as sick pay, while you're unable to work.
How It Works
Simple Advice. Complete Protection.
Our advisers guide you through every step to ensure you receive suitable cover.
Free Consultation
A no-obligation call with your dedicated specialist adviser to understand your situation and goals.
Understand Your Needs
We take the time to evaluate your unique lifestyle, long-term goals, and budget.
Compare Options
We compare suitable options from the insurers we work with and explain the differences.
Choose Your Cover
Select the exact policy level you feel confident with, guided by clear advice.
You're Protected
Once you're happy, we help you put your cover in place, and we're here if your needs change.
WHY CLIENTS TRUST US
Protection Designed Around Your Lifestyle
Helping individuals, families and businesses protect what matters most.
Financial Security
Safeguard your hard-earned assets against unexpected life events.
Family Protection
Help your loved ones cope financially if the worst happens.
Income Replacement
Keep money coming in if illness or injury prevents you from working.
Property Security
Shield your home and personal valuables from unexpected damage or loss.
Business Continuity
Protect your company's revenue, key employees, and future operations.
Peace Of Mind
Your adviser can help you understand your options at every step.
Clear Advice
We explain what each policy covers, and what it doesn't, before you decide.
Regular Reviews
Your needs change over time, so it's worth reviewing your cover after big life events.
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FAQ
Common Questions
Everything you need to know about income protection
What is income protection? 
Income protection can pay you a monthly benefit if illness or injury stops you working and you meet the policy's definition of incapacity. Payments start after a deferred period you choose, and can continue until you return to work, the policy ends or any limited payment period ends.
How much of my income can I cover?
It depends on the insurer and your earnings. For example, one insurer lets you cover up to 60% of the first £60,000 of your annual income before tax and 50% above that. Some insurers reduce your benefit if you still receive income, such as sick pay, while you're off work.
Which deferred period should I choose?
Many people match it to their employer's sick pay. For example, if you get sick pay for 26 weeks, a 26-week deferred period means payments start when your sick pay ends. Some insurers offer 4, 8, 13, 26 or 52 weeks.
Do I need it if I get Statutory Sick Pay?
Statutory Sick Pay is £123.25 a week or 80% of your normal weekly earnings, whichever is lower, for up to 28 weeks, and you must be classed as an employee to get it. Income protection can help cover the gap and longer periods off work.
Will I pay tax on the benefit?
With a personal policy, benefit payments are usually free of income tax. For example, one insurer's policy terms say you don't have to pay tax on your monthly benefit payments.