Income Protection 

We offer independent, specialist advice on income protection for individuals and companies, providing cover against loss of income due to accident or sickness.

Income Protection pays a proportion of your normal earnings if you can’t work owing to accident, illness or disability. Otherwise, you may be unable to meet your regular commitments, such as mortgage and other regular payments.

After a deferred period, typically 13 or 26 weeks, your policy will pay a regular income until it terminates, you return to work, or retire. Plans can also be arranged to cover particular liabilities over specific timescales, or provide changing cover on a whole of life basis.

We advise on income protection both for self-employed and for employed individuals, matching your circumstances to specific policy conditions. Without advice, income protection is deceptively complex, but we can guide you to the most suitable policy options.

For employers, we can arrange Income Protection as a Group Risk policy. As well as replacement income, these often include benefits such as medical helplines, counselling for employees, and absence management programmes. GR policies are a cost-controlled alternative to sick pay schemes, which can be a severe drain on a business in cases of long term sickness.