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Income Protection Cover

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What is Income Protection Insurance

Income protection is a type of insurance that replaces some of your income if you cannot work because of illness, incapacity, or injury.

Income protection will pay a tax-free monthly payment, usually a maximum of 60 -65% of your gross income. 

Why Do I Need Income Protection Cover?

Its regular payouts can help you stay financially secure so you can focus on getting better and back to work.

Consider how you’d cover your usual monthly costs if you were ill or injured and couldn’t work for a while. Could you still make ends meet using statutory (employer) sick pay, your savings or state benefits? If not, income protection might be a powerful way to guard against financial hardship. It’s also worthwhile considering how many people in your household are reliant on your income and the knock-on effects of losing your income due to illness, incapacity, or injury could have on them. 

It’s time to think about Income Protection Insurance if:

  • You and your family rely on your income.
  • You have children.
  • You have limited sick pay arrangements through your employer.
  • You’re a single-income household or are the primary breadwinner.
  • If government benefits wouldn’t cover your outgoings, or you’re not eligible.

Our advisers will review your circumstances, including current health issues, occupation, employee sick pay arrangements, and family set-up, to explore the market to find critical illness cover that meets your current needs.