Income Protection Insurance

Keep your finances secure if you can’t work

Your income underpins your lifestyle, your commitments and your future plans. Income Protection provides a tax‑free monthly income if illness or injury stops you working, giving you a private sick‑pay arrangement you can rely on.

What you can expect:

Monthly income replacement
Flexible policy lengths and waiting periods
Long‑term financial security
Support tailored to your circumstances

We help you safeguard your income so you can focus on recovery without financial pressure.

Speak to a Protection Expert

Frequently Asked Questions

How long can I receive payments under an Income Protection policy?

Income Protection payments typically continue until you return to work, reach retirement age or until the end of the policy term, depending on the policy. Some policies offer short-term cover, for example 2 years, while others provide long-term protection, giving you a monthly payment up to retirement if you are unable to work. We’ll help you choose a plan that aligns with your income needs, lifestyle and long-term goals.

Can self-employed people get Income Protection?

Yes. Income Protection is available for both self-employed individuals, directors and employees. Policies can be tailored to your specific income and work situation, ensuring you’re protected if illness or injury prevents you from earning.

Are pre-existing conditions covered?

It depends on the insurer and your individual circumstances. Some pre-existing conditions may be excluded, or premiums may be adjusted to reflect the additional risk. We’ll review your health and work situation, explain any limitations or loadings and help you find a policy that provides the best possible protection for your needs.