Protection

Safeguard Your Earnings: Income Protection Insurance

Your income is the backbone of your financial stability, and if illness or injury stops you from working, it can put a lot of pressure on you and your family. Income protection insurance provides a safety net by replacing a portion of your earnings if you’re unable to work, helping you stay on top of your bills and maintain your lifestyle while you recover.

Protecting your income is incredibly important, especially if you rely on it to cover everyday essentials like your mortgage, bills, and family expenses. Income protection insurance provides a regular payout if you’re unable to work because of illness or injury, giving you a vital safety net when you need it most. It allows you to maintain your lifestyle and keep on top of your financial commitments while you focus on getting better.

I work with a range of trusted providers to help you find the income protection policy that fits your needs and budget—whether you’re looking for short-term cover or long-term protection right through to retirement age. With clear, honest advice at every step, I’ll help you secure the right level of cover so your income—and your peace of mind—stay protected, whatever life brings.

1. What is Income Protection Insurance?

Income Protection pays you a regular income if you can’t work due to illness or injury. It helps cover your essential costs while you recover.

2. Who is Income Protection designed for?

Anyone who relies on their income — employees, contractors, or the self-employed — can benefit from having a financial safety net in place.

3. How does Income Protection work?

If you’re unable to work, your policy pays out a monthly income after a chosen waiting period. Payments continue until you return to work, retire, or reach the end of the policy term.

4. How much does Income Protection cost?

The cost depends on factors such as your age, health, occupation, lifestyle, and the level of cover you choose. We can help you compare options to find affordable protection.

5. What affects the price of Income Protection?

Your age, medical history, job type, lifestyle habits, and how quickly you want payments to start can all influence the premium.

6. Can self-employed people get Income Protection?

Yes. Income Protection can be especially valuable for the self-employed, as it replaces lost income when you’re unable to work and don’t have employer sick pay to rely on.

Traditional Life Insurance

Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.

Income Protection

Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.

Over 50s Cover

Over 50s life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.

Whole of Life Insurance

Whole of life insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.

Building and Contents Insurance

Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.

Easily Navigate Your Mortgage & Cover

I specialise in providing clear, reliable mortgage and protection advice to make your financial journey easier. With expert guidance and recommendations tailored to you, I’ll help you secure the right mortgage, protect what matters most, and make confident long-term decisions.

Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

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