Income Protection Insurance | Replace Lost Income

Why cover matters

If illness or injury stops you from working, the financial impact can be immediate – and severe. Statutory Sick Pay (SSP) is just £118.75 per week (2025/26), which may not even cover your council tax, let alone your mortgage, bills, or daily living costs.

Meanwhile, savings don’t stretch far. The average UK household has less than £2,000 in readily accessible funds, barely enough to get through a month or two without income.

An Income Protection (IP) policy provides a tax-free monthly income if you’re too ill or injured to work, supporting you until you’re well enough to return, or even right up to retirement, depending on the policy.

If you have extended sick pay through your employer, a short-term sickness cover (typically 12–24 months) could be a cost-effective way to bridge the gap, offering meaningful protection at a lower premium.

Income Protection

Our Solutions

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"Search an extensive panel of providers to match your job, health and budget.
Flexible design: long or short term cover, with tailored deferred periods.
Add-ons like waiver of premium, inflation linking, or fracture cover for extra peace of mind.
Fast, hassle-free applications: many policies issued within 48 hours.
Ongoing reviews so your cover keeps pace with pay rises and lifestyle changes.

...all managed through an easy 5 step process.

Step 1: Discovery call

We assess your employer sick pay, debts, and day-to-day living costs to understand how much cover you really need.
Step 2: Benefit modelling

We compare costs for different deferred periods and claim lengths to help you find the right balance of affordability and protection.
Step 3: Provider match

We search an extensive panel of providers to find the most suitable insurer, especially those that are flexible around your job role and medical profile.
Step 4: Application & underwriting

We handle the paperwork, arrange any required GP reports, and coordinate nurse screenings if needed.
Step 5: Policy activation & review

Once approved, we issue the policy schedule and schedule regular check-ins to ensure your cover keeps pace with your income and lifestyle.

Document Checklist

Passport or photocard driving licence
Proof of address (≤ 3 months)
Latest payslip or SA302 (self-employed)
Employer sick-pay policy or contract (employees)
NHS number & GP details

Bring these to your first meeting to avoid delays.

Expert Tips

Match deferred period to savings or employer cover

Don’t pay for cover you won’t use.
Guaranteed premiums lock the cost

Age-banded starts cheaper but rises annually.
Self-employed?

Insure net profit plus dividends; keep accounts current.
Index-linking

preserves real value – critical with long contracts.
Review after pay-rises or new debts

Benefit caps can leave you under-insured.

Here to HELP

What lenders look for

Proof of active cover

Your policy schedule showing benefit amount, deferred period, and insurer.
Guaranteed income percentage

most lenders prefer policies covering at least 50–60% of your gross salary.
Deferred-period details

Confirmation of when payments begin if you’re unable to work.
Premium payment evidence

Recent statements or direct debit confirmation showing the policy is maintained.
Employment or trading stability

Payslips or self-employed SA302s to verify insurable income.
Continuity of protection

Policies that remain valid even if you change employers are viewed more favourably.

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Income Protection & Short-Term Sickness Cover