PROFESSIONAL PROPERTY PEOPLE

Protect the income everything
else relies on.

If you cannot work due to illness or injury, income protection pays a monthly tax-free benefit to replace your earnings. The most important protection most working adults still do not have. The consultation is free.
CRITICAL ILLNESS COVER

What income protection actually is

Income protection is an insurance policy that pays a regular monthly tax-free income if you are unable to work due to illness or injury. Unlike critical illness cover, it is not limited to a list of specific conditions. It covers any illness or injury that genuinely prevents you from doing your job.
Most people massively overestimate how long their employer will keep paying them if they cannot work. Statutory Sick Pay is just £118.75 per week and lasts a maximum of 28 weeks. Income protection fills that gap and keeps your life on track when health does not.
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Up to 65% of income
Most policies cover up to 50% to 65% of your gross monthly income, or up to 70% of net income. We explain the difference and which suits you.
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Short or long-term
Policies available from one or two years through to retirement age. We advise on the right term length based on your savings and circumstances.
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Own occupation cover
The strongest policies pay out if you cannot do your specific job, not just any job. We always recommend own occupation where it is available.
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Free for you, always
The consultation, the advice, and the annual review are free. Insurers pay the adviser commission, not the client.
How We Help

Everything We Do For You

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Income Assessment
We calculate exactly how much cover you need to maintain your lifestyle if you cannot work.
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Whole of Market Search
We compare income protection policies across every major UK insurer to find the right cover and price.
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Definition Comparison
We explain the difference between own occupation, suited occupation, and any occupation, and recommend the right one.
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Deferred Period Advice
We advise on the right deferred period based on your employer sick pay and savings to keep premiums down.
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Application Support
We handle the application and any medical underwriting questions on your behalf, end to end.
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Annual Review
We review your cover annually to ensure it still matches your income and circumstances.
WHAT WE COVER

Income Protection Options We Advise On

Own Occupation
The gold standard. Pays out if you cannot do your specific job due to illness or injury. The most comprehensive definition available.
Suited Occupation
Pays out if you cannot do your job or a similar role suited to your skills and experience. Less comprehensive than own occupation.
Short Term Cover
Policies that pay for a fixed period of one or two years. More affordable, suitable for those with strong employer sick pay or savings.
Long Term Cover
Policies that pay until you return to work or reach retirement age. The most comprehensive option for complete financial security.
HOW IT WORKS

Four steps to protecting your income

1

Income Review

We assess your income, employer sick pay, and savings to calculate the right level of cover.
2

Policy Comparison

We compare policies across every major UK insurer looking at definitions, deferred periods, and premiums.
3

Application

We handle the application and any medical underwriting questions on your behalf.
4

Cover and annual review

Your policy is in place. We review it every year so it keeps pace with your income.
common Questions

Income Protection FAQs

Straight answers to the questions we hear most often.
How much of my income can I cover?
Most insurers cover up to 50% to 65% of your gross monthly income, or up to 70% of net income depending on the policy. This is designed to provide meaningful support while keeping an incentive to return to work when possible.
What is a deferred period?
The deferred period is how long you must be off work before the policy starts paying. Common periods are 4, 8, 13, 26, or 52 weeks. A longer deferred period means lower premiums. We advise on the right period based on your employer sick pay and savings.
What is the difference between own occupation and any occupation?
Own occupation pays if you cannot do your specific job. Any occupation only pays if you cannot do any work at all. Own occupation is significantly better, and we always recommend it where it is available.
Does income protection cover mental health conditions?
Yes. Most comprehensive policies cover mental health conditions including stress, anxiety, and depression, which are among the most common reasons for long-term absence from work in the UK.
How long will the policy pay out?
This depends on the policy term you choose. Short-term policies pay for one or two years. Long-term policies pay until you return to work or reach your selected retirement age.
Is income protection worth it if I am employed?
Yes. Most employers only pay full sick pay for a limited period, often just three to six months. Statutory Sick Pay is just £118.75 per week and lasts a maximum of 28 weeks. Income protection fills that gap and ensures you can maintain your lifestyle regardless of how long you are off work.
Your Income is Your Biggest Asset

Ready to Protect Your Income?

Book a free protection review. We will tell you the right level of cover, the right definition, and what it should cost.
Book Your Free Consultation