Income Protection Insurance

How Would You Pay Your Bills with No Income When Off Sick?

There are many Income Protection Insurance options for you to choose from. Our advice service will you simplify your understanding to provide the peace of mind you require.

How Much Will You Get Paid When Off Work With Sickness?

How long will you be able to survive financially and would you suffer in any way:
  • Bills & Cost of Living: Will you be able to keep up with the payment of your bills and fund your homes cost of living expenses?
  • Home at Risk: If you fall behind on repayments, your home will be at risk!
  • Impact on your Partner: How will the pressure of having to work, run the home, tend to the children, and assist with your care affect your partner?
  • Financial Security: How secure will you be financially, and would you want to worry about money in a period of sickness?

Income Protection will provide financial security with a monthly income to help you keep up with the payment of your bills and cost of living.

Couple arguing about money and debt

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Our Income Protection Insurance Advice Service, provides comprehensive coverage with access to a wide range of products and providers.

What is Income Protection Insurance?

A tax free income will be paid when off work with sickness and after a deferred payment period.  The income will be paid until you return to work or if you are unable to work again, the income will be paid until the end of the benefit payment period.

Critical illness cover illustration

Income Protection Insurance

Pays out a percentage of your earnings before income tax, usually between 50% and 70%.

A Income Protection Policy can be personalised to align with your employer sick pay arrangements and fit within your budget in several ways:

  • Choosing a Deferred Payment Period: You can select the number of weeks you must be off sick before the policy begins paying out.
    • Options include 1, 4, 12, 26 or 52 weeks
  • Determining the Benefit Payment period: You have the flexibility to decide how long you want the monthly benefit to continue.
    • Choices range from 1, 2, 5 years to the policy end date.
  • Opting for Age Related or Guaranteed Premiums: You have the choice of whether you want your premiums to remain constant or to increase as you age.
    • While age-related premiums start lower, they will become more costly over time.

Consulting with an Adviser:

It’s crucial to engage with an adviser to discuss your Income Protection needs and ensure your policy is tailored accurately

Book an appointment

Get in touch and speak with one of our income protection insurance experts.

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Our Income Protection Insurance Advice Service

Our mission is to save you time and money while securing the ideal policy at the most favorable price.

Free Consultation

Gain a clear understanding of your options and discuss your desires and requirements openly.

Free Recommendation Service

Be confident in knowing we will find you the appropriate policy at the right price.


Free Application & Management Service

Save both time and money while enjoying peace of mind, knowing that your policy is correctly set up.

No Call Centres

You will have your dedicated point of contact throughout the entire process to address all your income protection insurance requirements.

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Our Testimonials

I sought the assistance from Paul a few years ago with regards to my life and critical illness insurance. Paul has gone above and beyond to ensure that I have the most suitable policy in place. His knowledge on the subject and advice is invaluable and I will not hesitate to recommend his services.

Ms McFaitePreston

Paul has dealt with our families life and critical care insurance for over 20 years, we have always felt assured by his services and attention to detail.

Mr MilburnLytham

Paul is a highly experienced financial advisor who has the unique capacity to communicate complex issues in a very straight forward and understandable manner with sole objective of improving a clients financial position. I would have no hesitation in recommending Paul for a highly personalised financial advisory service.

Mr WalshPreston