Income Protection – Paying Your Bills Should You Fall Ill

Income Protection is all about security. Should you suddenly fall ill and be unable to work, you would receive a fixed monthly amount to replace your normal income, allowing you to continue to pay your day-to-day living costs and provide for your family.

How Does Income Protection Work?

  • You find yourself unable to work due to an illness. You could receive a fixed monthly amount after a ‘deferred’ waiting period – this can be anything from 1 day to 1 year. The longer the ‘deferred period’ you choose, the cheaper your policy will be.
  • You’re not sure how much money you could receive. You would be insured for a maximum level of benefit, usually based on a percentage of your salary. This cost will depend on many factors including your age, occupation and the level of benefit you need.
  • You are receiving other benefits for your sickness. If you are receiving any state benefits, this could be taken into account – we will advise.

What Does it Cover?

There are other providers of Payment Protection Insurance (Short-Term Income Protection) and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

For more information and specific questions please see our Income Protection FAQ page.

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