Income Protection Insurance

For most people, their income is their most valuable asset. If you were suddenly unable to work, income protection insurance could make a critical difference. Key benefits include:

Receive up to 60-70% of your gross income to cover expenses if you’re unable to work.

Continue paying your mortgage, rent, or bills without financial strain.

Policies can pay out until you recover, return to work, or retire.

Knowing your financial obligations are covered allows you to focus on your health.

Without adequate protection, a sudden loss of income could lead to debt or significant lifestyle changes. Income protection ensures you and your family are safeguarded against the unexpected.

Income protection insurance is particularly valuable for:

If your employer only offers statutory sick pay, this cover ensures you don’t face a sudden drop in income.

Without access to employer benefits, income protection provides vital financial security.

Keep up with mortgage or rent payments even if you can’t work.

Ensure your family’s living costs are covered while you recover.

Anyone who relies on their income to support their lifestyle should consider income protection as part of their financial planning.

Find an adviser

Get help managing your pension from a qualified & regulated financial adviser

Decide on the level of cover, payout period, and waiting period (deferred time before payments begin).

Premiums vary based on factors such as age, health, occupation, and cover amount.

If you’re unable to work due to illness or injury, you can make a claim.

Receive a monthly income until you recover, retire, or the policy term ends.

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