Why Income Protection matters

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.