Personal protection
Protecting Your Income
Why Income Protection Matters
Your income pays for your lifestyle, your home and the people who rely on you. If illness or injury stopped you from working, the impact on your finances could be felt very quickly.
Some people receive sick pay from their employer, but this is usually only for a limited period. Many others only receive Statutory Sick Pay (SSP), which is much lower than a normal wage and may not be enough to cover the mortgage or rent, bills and everyday living costs. If your income stopped today, how long could you realistically keep up your outgoings?
Maintaining a regular income is crucial – not just for day-to-day life, but also for saving for the future. Income Protection is designed to pay you a regular benefit if you cannot work due to illness or injury, helping you continue to meet your essential commitments and avoid financial hardship.
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How Income Protection works
Income Protection can:
Pay a regular benefit if you are unable to work due to illness or injury, after an initial waiting period.
Usually cover up to a set percentage of your pre-tax income (within provider limits), with the benefit normally paid tax-free.
Be set to run until a chosen age, such as your planned retirement age.
Often be linked to inflation, so the benefit can increase over time in line with the cost of living.
Unlike some general insurance, premiums on many income protection plans do not automatically increase just because you have made a claim, although this depends on the type of premium you choose.
The ability to increase your cover if your income goes up.
Support for a gradual return to work, where some plans can “top up” your income if you can only return on reduced hours.
Continuing cover after a claim, including for the same condition again, subject to the policy terms.
Unlike some general insurance, premiums on many income protection plans do not automatically increase just because you have made a claim, although this depends on the type of premium you choose.
Cover built around your life
Everyone’s circumstances are different. I’ll take time to understand:
How you work (employed, self-employed, business owner)
What sick pay or other benefits you already have
Your essential monthly outgoings and wider financial goals
From there, we can help you decide:
How much of your income you might want to protect
How soon you would need the benefit to start if you were off work
How long you would want it to pay out if you were unable to return to work
The aim is to build cover that fits your real life, not a one-size-fits-all solution.
Clear, straightforward advice
Income Protection can sound complex, but it doesn’t have to be. We will explain:
When and how a policy would pay out
The differences between waiting periods and benefit lengths
How it sits alongside other protection you might have, such as life cover or critical illness cover
All in plain English, with no jargon and no pressure – just clear guidance so you can make informed decisions.
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Ongoing Support
As your career and income change – a new role, a pay rise, going self-employed or taking on a bigger mortgage – your protection should keep pace. I’m here to review and adjust your Income Protection over time, so it continues to support the life you and your family are building.
By submitting this form, you agree that we may use your details to respond to your enquiry. Please read our Just in Time Privacy Statement for more information.