Income Protection.
If you’re employed you may receive some form of sick pay, brilliant! But what happens when that runs out?
Self employed? Sick pay is a luxury you’re unlikely to have.
The likelihood is that being absent long term will cause serious financial issues when it comes to paying the bills and putting food on the table each month.
An income protection policy will pay you an income for every month that you are unable to work due to illness or injury and it’ll keep paying until you are fit enough to return to work or reach retirement age, whichever occurs first.
What are the common types of Income Protection?
Life insurance comes in many different forms but here are the four most common:
Full Term
Budget Cover
Personal Sick Pay Cover
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What’s covered with income protection?
Income protection insurance typically covers a portion of your income if you are unable to work due to illness or injury. The specific coverage and benefits can vary depending on the terms of your policy, but in general, income protection insurance can cover:
- Typically, income protection insurance can cover up to 60% of your pre-tax income.
- Illness or injury: Income protection insurance covers incapacity due to both physical and mental illnesses, as well as injuries, that prevent you from working.
- Benefit period: The benefit period is the length of time that benefits will be paid. It can vary from a few months to several years, depending on the policy.
- Tax-free payments: Income protection benefits are usually tax-free, which means that you don't have to pay income tax on the payments.
It is worth noting that pre-existing medical conditions are typically excluded.
Not what you’re looking for?
There are lots of protection options available, we can offer them as a stand alone policy or we can tailor a policy to suit your needs.

Life Insurance
Ensures financial stability for your family.

Critical Illness
Pays out when you are diagnosed with one of the illnesses covered.

Private Medical
Consultations, diagnosis & treatment for minor or major medical conditions.