How long could you survive without income?
Income protection replaces a portion of your salary if you can't work due to illness or injury - keeping your household afloat for as long as you need it.
Get a Free Income Protection QuoteWhat is income protection?
Income protection pays you a regular monthly income - typically 50-70% of your salary - if you're unable to work due to illness or injury. It continues to pay until you return to work, retire, or the policy term ends.
Unlike critical illness cover (which pays a one-off lump sum), income protection is a continuous income replacement - ideal for long-term conditions.
Key features:
- Covers any illness or injury that stops you working
- Monthly payments replace lost earnings
- Deferred periods available (1, 4, 8, 13, 26 or 52 weeks)
- Premiums are typically tax-deductible for the self-employed
Who benefits most from income protection?
Self-Employed & Contractors
No sick pay. No employer fallback. Income protection is essential if you trade your time for money.
Mortgage Holders
Your mortgage is your biggest monthly commitment. Income protection ensures you can keep paying it if you can't work.
Single-Income Households
If one income supports your whole household, losing it - even temporarily - could be devastating without cover.
Anyone with Limited Savings
If you have less than 3 months of expenses saved, income protection is your financial safety net.
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