Income Protection


Income Protection insurance can provide a regular replacement income if someone is unable to work because of illness or injury. Typically, a policy pays out after they’ve been off work for 6 months (often called a deferred or waiting period) and can pay a percentage of their salary until either they return to work, reach State Pension Age, or if they die while claiming.

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Some Guidance


  • Income Protection covers most illnesses and injuries that leave you unable to work either in the short or long term – however, it does not pay out if you’re made redundant. Here’s how policies usually work:

  • It replaces part of your income if you become ill or disabled and are unable to work

  • Income protection insurance covers you until your return to work or until retirement, death or your policy ends - whichever is sooner

  • You can claim as many times as you need to - while the policy is active

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What does it cover?

Here are some things you can ask yourself before taking out an income protection policy;

  • What would happen if you got ill or injured and couldn’t afford to pay the bills?

  • If you’re employed, do you have sick pay to fall back on -- and how long is this paid for?

  • If you’re self-employed, what would you do if you couldn’t work for any reason?

  • Is it affordable? You need to set premiums at an affordable level, but also you should make sure the policy will cover your bills if you do make a claim.

Do I need it?​
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Your premiums are determined by your individual criteria. Factors that affect the amount your premium are:

  • Age

  • Occupation

  • Level of income

  • Current Health

  • Term of policy


Payments will depend on the deferred period chosen at the start of the policy.  Other factors may influence when payments are made such as sick pay and other insurances you may have.

How much will it cost?​