Income Protection Insurance
Cover that keeps the bills paid when you can’t work
Income protection pays you a monthly benefit if you can’t work due to illness or injury. It’s designed to cover your essential bills — like your rent or mortgage, utilities, and food — so you can focus on getting better, not stressing about lost income.
Whether you’re self-employed or just don’t have much sick pay at work, this kind of cover can give you breathing room when life takes an unexpected turn.
Is This Right for You?
Income protection might be worth considering if:
- You’re self-employed or run your own business
- Your job doesn’t offer much (or any) sick pay
- You rely on your income to support your household
- You want cover that pays out monthly, not as a lump sum
- You’d struggle to keep up with bills if your income stopped
Download your free mini guide
Discover the 5 important consideration when thinking about protection, plus a clear look at 4 common types of insurance and how they might fit your life.
Frequently Asked Questions
Critical illness pays a lump sum for specific serious illnesses. Income protection pays a monthly benefit for most conditions that stop you working—even short-term.
Typically up to 50–70% of your gross income. I’ll help you work out what’s realistic and sustainable for your situation.
You choose — some policies cover short-term gaps, others pay until retirement or return to work. I’ll help you decide what fits.
That’s how long you wait before the payments start — often 1, 4, 8 or 13 weeks. A longer wait can reduce the cost. I’ll explain how it works.
Absolutely. In fact, it’s one of the most valuable forms of protection for self-employed people. I’ll help you find the right insurer for your setup.
How I Can Help
If your income stops, your bills won’t wait
I’ll help you understand how income protection works, what level of cover makes sense, and which policies fit your budget and lifestyle. No pressure — just practical advice that helps protect your future.