Protection · Income Protection
Keep your income coming in, even if you can't work.
Income protection pays a regular, tax-free income — typically up to around 50-70% of your usual earnings — if you're unable to work due to illness or injury, for as long as you're off work (up to the end of the policy term). It's the protection most people underestimate needing.
What is income protection and why does it matter for a mortgage?
Unlike critical illness cover’s single lump sum, income protection pays a regular monthly income for as long as you’re unable to work due to illness or injury (subject to the policy’s definitions and deferred period), continuing until you return to work, the policy ends or in some cases retirement.
Statistically, people are far more likely to be off work for an extended period due to illness or injury than to die or be diagnosed with a critical illness during their mortgage term — yet income protection is consistently the least-taken-out of the three main protection types. For anyone whose employer sick pay is limited (or who is self-employed with none at all), a gap in income is often the single biggest threat to keeping up mortgage payments, not a lump-sum health event.
A common and cost-effective approach is choosing a deferred period that matches how long you could cover payments from savings or employer sick pay before the policy needs to start paying out — reducing the premium without leaving a real gap in cover.
Who this is for
- Self-employed people and contractors with no employer sick pay
- Anyone whose employer sick pay is limited or short-term
- Sole or primary household earners
- People with a mortgage and ongoing monthly commitments
- Those without significant savings to cover months off work
- Professionals in physically demanding or health-exposed roles
How it works
Tell us about your income and work
Employment status, existing sick pay and what you'd need to cover if you couldn't work.
Choose your terms
Deferred period (how long before payments start), benefit amount and how long cover runs.
Recommendation
A personalised recommendation, following a full advised process.
Policy in place
We handle the application through to your policy going live.