Protecting your income if you cannot work
Statutory sick pay often is not enough to cover the mortgage or bills. Income protection helps you maintain financial stability until you’re fit to return to work.
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Income protection is ideal for anyone who relies on their income to meet regular outgoings. It is particularly important for self-employed individuals, contractors, and professionals without generous sick pay arrangements.
Income protection provides a regular income if you are unable to work due to illness or injury. Statutory sick pay is often limited, and income protection helps ensure bills, mortgage payments, and everyday living costs can still be met while you recover.
We assess how much income you need, how long payments should last, and the most appropriate deferment period. We then compare policies across an extensive range of providers and tailor cover to your occupation, income structure, and lifestyle. That way you know your day-to-day life is safeguarded.
Contact an adviser todayHM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
Typically 50–70% of your gross income. This is tax-free, so it often works out close to your take-home pay.
After a “deferment period” (e.g. 4, 8 or 13 weeks). You choose the waiting period that fits your savings or sick pay.
It depends on the policy. Some cover a set number of years, others pay until retirement age.
Yes. Income protection is especially valuable for self-employed people who do not get sick pay from an employer.
Short-term policies pay out for a set period (e.g. 1–2 years), while long-term cover can protect you until retirement age.
Yes. You can tailor the policy’s start date (deferment period) to begin after your sick pay ends.
Our team of advisers is on hand to help with your protection & insurance needs
