Life has a way of throwing the unexpected at us, and for most people, the thought of being unable to work because of illness or injury is genuinely worrying. If your income suddenly stopped, how long could you keep up with the essentials — the rent or mortgage, the weekly shop, the bills that don’t go away just because you’re unwell?
That’s where income protection can make a real difference. It’s designed to step in when you can’t, providing a regular monthly payment to help keep your household running while you focus on getting back on your feet. For many families, that support can be the difference between coping and struggling.
Local, Personal Advice
If you’d like guidance tailored to your circumstances, we’re here to help. We take the time to understand your situation properly and talk you through the options in plain English — no jargon, no pressure.
What Income Protection Can Offer:
- Regular monthly payments if you’re unable to work due to illness or injury
- Premiums that stay the same, unless you choose a plan that increases over time
- Support to help you return to work when you’re ready
- Flexibility to adjust your cover as life changes (eligibility applies)
- Wellbeing support, including access to trained nurses for guidance and reassurance
- Care advice, offering confidential help in navigating adult and later‑life care options
How the Cover Works
Income protection can cover up to a percentage of your earnings and pays out after a waiting period that suits your budget — whether that’s a few weeks or a few months. Payments continue until you’re well enough to return to work or until your policy ends. It’s not a savings plan, and it won’t pay out for redundancy, but it’s there for the moments when health gets in the way of earning a living.
Most people don’t have enough savings to fall back on for long — in fact, it can take the average UK worker around a decade to save the equivalent of a year’s income. That’s why planning ahead matters.
Financial Resilience
39% of people interviewed are concerned of getting a serious long-term chronic illness, while 8 in 10 are concerned about at least one issue affecting ability to work
The average UK household has £2,431 in savings, but they need around £12k in savings to feel secure.
2 in 5 households have less than £1,000 in savings. In fact 1 in 5 have no savings at all.
What does Income Protection do?
Income Protection is designed to give you flexible, reliable support if your earnings take a hit because you’re too unwell to work. It’s a straightforward way to keep your household steady while you focus on getting better.
You choose how long you’d wait before payments begin — from 4 weeks right up to 52 — and once the cover kicks in, the benefit is paid monthly. The amount you receive is based on what you were earning just before you became unwell, covering up to 60% of your income (up to £60,000 a year) and 50% of anything above that. It’s a simple way to make sure your essential costs are covered when you need it most.
Your cover can run right through to your chosen retirement age, or up to age 70, and payments continue until you’re well enough to return to work or your policy ends. The benefit is tax‑free, though it may affect certain state benefits.
It’s important to know this isn’t a savings plan and it doesn’t include redundancy cover — it’s purely there to protect you if your health stops you earning. But for many applicants, that safety net brings real peace of mind.