Your salary pays for everything that matters to your family. When illness or injury stops you from working, income protection insurance replaces part of your earnings with tax-free monthly payments until you can return to work.
The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased.
Far from being a luxury, Protection Insurance should be considered essential, especially if you have a family or people that rely on your income.
This information is for guidance only and does not constitute financial advice.
Pays out if you can’t do your specific job, even if you could do other work. The most comprehensive level of protection, particularly important for skilled professionals and specialists.
Covers you if you can’t work in your field or profession. Offers good protection while being more affordable than own occupation cover.
Only pays out if you can’t do any work at all. The most basic and cheapest level of cover, but harder to claim successfully.
Limited-payment policies can pay for 1–5 years per claim, depending on the policy. Longer-term policies can continue until you recover, return to work, retire or the policy ends, subject to its terms. Your choice depends on your circumstances and budget.
Self-employed people are not eligible for Statutory Sick Pay, although other benefits may be available. Income protection insurance can provide regular payments if illness or injury stops you working, subject to the policy’s waiting period and terms.
Construction workers, mechanics, and others in manual roles face high risks of injury that could prevent them from working.
When your family depends on your income for the mortgage, bills, and daily expenses, losing that income creates immediate hardship.
Many employers only provide basic statutory sick pay, which isn’t enough to cover most families’ monthly expenses.
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Trusted by working families nationwide
We've helped hundreds of families find income protection that gives them confidence their bills will be covered if they can't work.
We'll help you understand how much cover you need and find a policy that fits your budget while protecting what matters most to your family.
