Income Protection Insurance

Imagine you’re really sick and your money runs out. Then what?

Income protection insurance is:

  • Designed to give you money if you’re too sick to work
  • Protect against accident & sickness, unemployment or all three
  • Get a tax free monthly income of up to 60% of your gross annual income

Income Protection Insurance is possibly the most important cover to have.

Without it you will struggle financially at a time when stress and hardship are the last thing you need.

Think the government will help you out?

Would £73.10/week ESA really be enough?

Our advisers can guide you through your options and answer all of your questions.

Our help and advice is free.

All occupations and trades considered.

If you are self employed you may need cover to start paying you straight away.

If you are employed the cover can be set up to start when your sick pay stops.

Whether you are self employed or employed, we help you get it right.

Whatever your circumstances, cover can be tailored to your needs and budget.

We’re here to help every step of the way, even when you make a claim.

If you’re not sure how much cover you may need, use our handy income protection calculator.

With access to the whole market we can compare all of the available options and help you get cover tailored to your needs.

What would you do if your income stopped?

It is estimated that the average British household only has a 26 day gap from ‘deadline to breadline’ and for working age families that comes down to just 11 days!

  • How long would your savings last?
  • Would your home be at risk?
  • If you get sick pay, what happens when it stops?
  • Could your family cope on £72.40/week?

Employment Support Allowance pays £72.40/week for 13 weeks then up to £108.15/week (source:

Income Protection can provide a solution.

Why worry about money and your health?

If you are self employed you wont receive sick pay and you will have to rely on your savings straight away and even if you are employed your sick pay may only last a few weeks.

Any extended period of illness or a lengthy recuperation from injury could have a serious impact on your health and your wealth.

Income Protection takes away the worry of facing potential financial ruin when things are already bad enough.

Additional features of Income Protection:

  • Claim as many times as you need to throughout the term of your policy
  • Claims are paid Tax Free
  • Cover is available to age 70
  • Your policy can be tailored to fit your circumstances & budget
  • Keep savings intact for you and your family
  • Cover up to 60% of your gross income (before tax)
  • Cover can kick-in immediately or when sick pay stops
  • Get a replacement income until you return to work
  • Suitable for Employed & Self Employed workers

We can walk you through the main features and benefits of the available options and tailor a solution to fit your requirements.

Contact us to discuss your options or submit your details to request a quote.

Income Protection Calculator

If you are unsure how much cover you need then please use our cover calculator as a guide. Add in a monthly amount for each of your outgoings you would like to protect. The amount of cover you may need is automatically calculated in the Total Cover Needed section at the bottom.