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How Income
Protection
Works
What Is Income Protection?
A policy designed to replace part of your income if illness or injury leaves you unable to work.
How Much Could It Pay?
The amount depends on your earnings, employment status and the insurer’s limits.
When Do Payments Start?
Cover begins after your chosen deferred period, which can be aligned with your sick pay or savings.
How Long Could It Pay?
Choose short-term claims or cover that can continue until you recover or the policy ends.
Who Is It For?
Options are available for employees, self-employed people and company directors.
Income Protection
Built Around You
The right policy should reflect how you earn, the sick pay you receive and how long you could manage without an income.
Matching Your Sick Pay
Your deferred period determines how long you wait before payments begin. I’ll help align this with your employer’s sick pay, savings or other financial support.
Short or Full-Term Cover
Some policies pay for a limited claim period. Others can continue until you recover, retire or the policy ends. We’ll compare the cost and protection.
Work and Medical History
Your occupation, earnings and health can affect the options available. I’ll explain any exclusions, increased premiums or alternative terms clearly.