Income Protection
See if you qualify for Income Protection and get a clear, free quote.
Question 1 of 6
How do you earn your income?
No medical questions are asked here. Your answers are only used to prepare the conversation and are not an application for insurance.
- Takes about a minute
- No medical questions
- No obligation
A few short questions about your work and outgoings. No medical questions here, and answering does not put cover in force.
What it is
Income Protection explained simply.
Income protection is designed to pay a regular benefit if illness or injury prevents the insured person from working and the policy's incapacity definition is met.
Benefit usually starts after a chosen waiting period and is capped at a proportion of earnings set by the insurer.
How it works
Three simple steps.
- 01
Answer a few questions
Short, plain-English questions about what you want income protection to do.
- 02
We compare the options
We look at the insurers we can access and work out what suits your situation.
- 03
You decide, in your own time
We explain the cover, the cost and the limitations in writing before anything is concluded.
Why people consider it
Why this cover is worth understanding.
Bills continue when income stops
Rent, mortgage payments and household costs rarely pause because someone is unwell.
Employer support can be short
Sick pay arrangements often run out well before someone is ready to return to work.
The definition is the detail
How a policy defines incapacity changes when it will pay, which is where advice matters most.
What we do for you
We handle the whole process.
- We compare the incapacity definitions, not just the premium.
- We set the waiting period against any sick pay you already have.
- We explain deferred periods, benefit caps and exclusions in plain language.
- We manage the application and underwriting process with the insurer.
Client reviews
What people say about working with us.
“They compared the market for us, explained exactly what was and was not covered, and handled the paperwork end to end. No pressure at any point.”
“I had no idea how income protection actually worked. It was explained in plain English, including the waiting period, before I signed anything.”
“Straightforward, calm and genuinely knowledgeable. They flagged an exclusion I would never have spotted on my own.”
“Everything was handled for us — quotes gathered, application submitted, underwriting questions answered. We just had to make the decision.”
“The team took the time to understand our position first. It felt like advice rather than a sales call.”
“Clear cost breakdown, clear limitations, clear next steps. Exactly what you want when the decision matters.”
“They compared the market for us, explained exactly what was and was not covered, and handled the paperwork end to end. No pressure at any point.”
“I had no idea how income protection actually worked. It was explained in plain English, including the waiting period, before I signed anything.”
“Straightforward, calm and genuinely knowledgeable. They flagged an exclusion I would never have spotted on my own.”
“Everything was handled for us — quotes gathered, application submitted, underwriting questions answered. We just had to make the decision.”
“The team took the time to understand our position first. It felt like advice rather than a sales call.”
“Clear cost breakdown, clear limitations, clear next steps. Exactly what you want when the decision matters.”
Ready when you are.
Complete the short income protection questions at the top of this page and leave your details. We will come back to you with clear options, and you can decide from there.