Can you survive without your income?


If you were unable to go to work due to sickness or injury, would you still be able to cover your monthly bills? If you are self employed or your employer does not offer you full sick pay for the entirety of your time off, then you need to consider how you would be able to afford your outgoings. Income Protection, also known as sick pay cover, is a product that will pay you a regular income if you are ever off work due to an accident or an illness. Giving you peace of mind that if you’re unable to work your bills will be covered, your credit score protected, and your home and lifestyle can remain the same whilst you are unable to work.

What is income protection cover and do I need it?


Income Protection is going to ensure you can still pay your bills and keep your lifestyle if you are unable to work due to sickness or accident.

You may have savings that could be used to pay your monthly cost, but for how long? And do you want to use your savings to cover your bills? You need to think carefully about whether you want to rely on them and if they can cover a long period of ill-health or if you were to face another emergency which would use up your savings and leave you with no cover.

If you are employed, self employed or receive sick pay but only for a limited time, then please get in touch today to discuss how we can protect your income to avoid financial difficulties if you are sick.


Arrange an Appointment

Who can be covered
with income protection?


Self Employed


Business Owners

Offshore Workers

Dangerous Occupations

Frequently asked questions

Our advice is completely free, you will not be charged for any insurance services.

Yes. Income protection is tailored around your needs and requirements. You can set how much you will be paid each month if you are unable to work.

How long your receive the payment for depends on the term you have chosen. You can have 1 year, 2 years, 5 years on until retirement. You get to decide as this product is personalised to you.

Depending on the condition, when diagnosed and if you are fully recovered will determine if you will have an exclusion on the policy or not. We will check your medical with all the providers to ensure you are getting the most comprehensive cover possible.

If you need to make a claim the provider would contact your doctor to get your medical report and they would ask for proof of income. This is why it is so important that your insurance is done correctly to avoid claims not being paid out. If you already have insurance and you are not confident it is correct, please get in touch and we will review it for you.

Ask Us A Question

You can use the form below to make an enquiry and a member of our team will come back to you, if it’s urgent why not give us a call on 07562 331345.

Speaking to a member of our team allows us to understand your individual requirements and allows us to give you the most accurate information for what you’re looking for.

    Protect What Matters Most

    Protect yourself and the ones you love with life insurance, critical illness cover, mortgage protection, and income protection.