Income Protection

Protect your lifetime savings from £25

Income protection insurance pays out part of your lost income if you're ever unable to work due to an illness or disability. This extra income can help pay the bills so you can focus on getting better.

Have you considered how you would keep on top of your mortgage and rent if you were unable to work? You may be able to survive on government benefits and/or statutory sick pay from your employer for up to 28 weeks depending on your employer’s scheme, but this may not apply if you’re self-employed.

Income protection pays out a percentage of your salary for your long-term regular income to help you pay bills and upkeep your lifestyle
Covers you until you can return to work or until your retirement age

There are a lot of factors to consider when taking out income protection, so please speak to our experts to discuss your options and to arrange tailored cover.

Before you think about taking out income protection insurance, it’s important to find out whether your employer already has a policy in place for you. Most people who don’t have any insurance would need to rely on their savings. Income protection is there to cover you if you’re unable to work due to illness or disability, so you don’t have to dip into your savings.
Various factors determine the premium you’ll pay, such as the waiting period, your age and what you can afford. For example, a 25-year-old could expect to pay approximately £25 per month whereas a 45-year-old could expect to pay around £50 per month. There are many options to choose from and our experts can help you choose the right policy for your budget.
Most insurers will ask you a series of medical questions before they agree to cover you. Some insurers may refuse to cover you depending on how serious your condition is. Our experts will be able to guide you through the process and advise you on the best insurer for your needs.
With most insurers, you’ll need to wait a minimum of four weeks after you stop working before you can get paid out. This is called the waiting period. The longer the waiting period you choose, the cheaper the premium. Most employers pay you for sick leave and some minor conditions. Income protection cover is designed for conditions that prevent you from working for a month or more. At this stage, your finances will be taken care of so you can focus on getting back on your feet.
Yes, income protection covers you if you are employed or self-employed. However, if you’re self-employed, your insurer may require you to provide proof of income and any another documentation they need.
You can choose how long you would like your insurance to last. Most policies will cover you until you reach retirement age.
Health Life Income Over 50's Coverage Critical Illness

Compare quotes and get life, health insurance the right way

Insurance brokers that work for you.

Get in touch with our team of experts for an obligation-free quote with Insure-Us

Reliable. Personable. Fast.

What you’ll get:

  1. A quote that’s tailored to you
  2. Only pay for what you need

Best price guarantee
Our services are completely free.

Need it now?

Call: 0203 838 8900 to speak to an expert.