Income Protection Insurance

Enjoy the security of knowing your income can be maintained while you focus on getting better.

Income Protection can protect you in your time of need.

Many people take out Income Protection thinking they may need to claim in the event of a car accident, stroke, cancer or heart attack.


Max, a 46 year old father of 3, worked as a nurse on a busy hospital ward. He was working long hours, constantly surrounded by people from all walks of life with different health conditions and situations.


At home, he was busy with his young family; his elderly mother lived nearby with mobility issues and relied on his support. The long shifts in combination with his home life, affected his ability to carry out his very demanding job.


“When I took the policy out, I thought I might need it for a physical condition. I never imagined that I would be signed off work for mental health.”

Max was signed off work for stress and anxiety for around 6 months. He benefited from additional counselling sessions which were provided from the insurer to support his transition back into work.


“I am now back at work in a job that I love and really thankful that I took out the Income Protection policy when I did. Everyone who is working should look at protecting their earnings, it something you never think of when looking at insurance, what happens if you can’t work?”


Mental health awareness is all around us. In our lives, we are so busy that we never stop to think that we are suffering and just put it down to a busy life. Luckily, in this case, this was identified and supported from an early stage and Max is now able to manage his day to day living.


An Income Protection plan can support you through a mental health episode which can occur at any time in your lifetime.

What is Income Protection insurance and do I need it?

Income protection is an insurance policy that pays out monthly or in some instances weekly if your income goes down due to medical reasons. You are covered for any medical reason (physical, mental, illness or injury), as long as you have been signed off by a doctor as incapable of work.


You want to make sure that you have enough money to get by, regardless of how sick you are. You never know what the future holds, but this type of coverage gives you security that your finances will be in good hands no matter what.


You pay monthly premiums when you have an income protection plan. If you are unable to work because of illness, you can make a claim. If your claim is valid, after your selected waiting period is over, you will receive monthly payments.


If you are unable to work due to health reasons, you will decide at the time you take out the policy how much money each month you want. Many insurers will decide your monthly benefit' based on:


  • your age.
  • your occupation.
  • whether you smoke or have smoked.
  • the percentage of income you'd like to cover.
  • the waiting (or 'deferred') period until the policy pays out.
  • health – your current health, weight and family medical history

The income protection we offer

Together we can make the difference

Your policy replaces a certain percentage of your income if you become incapacitated due to ilness or injury.

Some policies allow you to claim multiple times. This means that you can still make a claim if your condition changes.


Also called 'full -term' plans, they are designed to protect you up to retirement age.

These policies provide income protection for shorter periods, usually for 2 years. As a result, they are generally more cost-effective if you are working with a limited budget.



Why discuss your Income Protection planning  with impartial professionals?

Planning ahead for losing your income due to ill health or an accident is important because the last thing you want when off work long-term sick is to realise that the Government or your employer isn’t going to look after you as you might have thought.


We can help you make a well-informed, confident decision about the kind of income protection insurance you need and the right policy for you.


Because we select plans from a comprehensive panel of well-known and respected insurers, you can be assured of the right plan for you.

You will receive the expertise to help you with all aspects of your insurance needs, including a strategy that works, research, a personalised recommendation and claims support.

We aim to provide you with tailored Income Protection Cover solutions for the most competitive premiums based on your individual circumstances.

Get cover in 3 easy steps:

Income Protection Insurance check up

Tell us about your specific needs, finances and circumstances, so we can work out your Income Protection Insurance requirements.

Impartial advice on what you need

Clear action plan on what type of cover you might require, for how long, and why.

The right insurers to cover you

Receive a recommendation that suits your unique circumstances.

Ready to get started?

Whether you already have insurance or would like to explore more possibilities for your family protection, our insurance review is a great way to take the next step.

Call 02895 575010 or 0141 291 5044 or send us a message using the form below and we’ll tend to your enquiry right away.