Income Protection
Replace a chunk of your salary so life carries on if you can't work.
Income protection pays you a regular, tax-free monthly income if you're unable to work due to illness or injury. Unlike a lump sum, it keeps paying until you recover, retire or the policy ends — helping you meet your mortgage and everyday bills.
We'll help you choose the right waiting period, benefit level and policy type so the cover is both affordable and genuinely there when you need it most.
Key features
Ongoing income
Regular payments to replace lost earnings while you're unable to work.
Tailored waiting period
Choose when payments start to balance cost and cover.
Covers the essentials
Helps meet your mortgage, bills and day-to-day living costs.
Any occupation or own
We explain the definitions so you know exactly when it pays out.
Is this right for you?
This could be a great fit if:
- You rely on your income to pay the mortgage and bills
- You have limited sick pay from your employer
- You're self-employed with no safety net
- You want cover that pays until you can work again
Frequently asked questions
How much of my income can I cover?
Typically up to around 60% of your gross earnings, tax-free. We'll help you set a realistic benefit level.
When do payments start?
After a 'deferred period' you choose — commonly 4, 13 or 26 weeks. A longer wait lowers the premium.
Is it worth it if I get sick pay?
Employer sick pay often runs out quickly. Income protection picks up where it stops, which is why it's so valuable for long-term security.
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Iuliana was amazing to work with — professional, supportive, and extremely knowledgeable. She made the mortgage process smooth and stress-free. I highly recommend her!Doina Caldare · December 2025 28 clients recommend us
How long would your savings last?
Tell us what your employer pays if you're off sick, and for how long. We'll tell you on the call what the gap looks like and what it costs to close it.
