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A wage that keeps coming if you cannot work
Your income pays for everything. Income protection replaces a chunk of it if illness or injury stops you earning, month after month, until you recover or the policy ends. For most working people it is the cover that matters most.
The cover working people forget
Right for the self-employed
No employer sick pay behind you makes this cover especially valuable if you work for yourself.
Matched to your job
Definitions of incapacity vary. We choose terms suited to your occupation, not the cheapest wording.
Affordable to keep
We set the level so the premium is sustainable, because cover only works if you keep it going.
Cover built around your job and your bills
You choose how much of your income to replace, how long to wait before it pays and how long it keeps paying. We set those dials to match your savings, your employer sick pay and your outgoings.
- Choose your waiting periodLine it up with any employer sick pay so cover kicks in exactly when you need it.
- Cover a realistic shareUsually up to around 60% of your gross income, paid tax-free, so the sums add up.
- Pays until you recoverGood policies keep paying for as long as you are unable to work, up to the end of the term.
Questions we hear a lot
Typically up to around 60% of your gross earnings, and the payout is usually tax-free. We set the level so it realistically covers your essential outgoings.
It is the gap between being unable to work and the policy starting to pay. A longer wait lowers the premium, so we line it up with any sick pay and savings you have.
Yes. Income protection pays a monthly income while you cannot work. Critical illness pays a one-off lump sum on diagnosis of a specific serious condition. Many people hold both.
Handy next steps
Protect the thing that pays for everything
A quick chat will show what covering your income would cost and how to set it up sensibly.