Income protection
Replaces part of your income if you can't work because of illness or injury, so the bills keep getting paid.
Keep the bills paid
We'll look at what your employer already provides and find cover that fills the gap, with a waiting period that suits your savings.
How we help
- Cover for employed and self-employed
- Waiting periods matched to your sick pay
- Short-term and long-term options
Questions people ask
What is income protection?
It pays you a monthly income, usually a share of your earnings, if illness or injury stops you working. Depending on the policy, it can keep paying until you go back to work, the policy ends or you retire.
What is the waiting period?
It's how long you need to be off work before payments start, commonly 4, 8, 13, 26 or 52 weeks. A longer wait makes cover cheaper, so we match it to your sick pay and savings.
Isn't statutory sick pay enough?
For most households, no. From April 2026 statutory sick pay is £123.25 a week, or 80% of your average weekly earnings if that's lower, and it lasts up to 28 weeks.
Is income protection the same as mortgage payment protection?
No. Mortgage payment protection usually covers just your mortgage payment for 12 to 24 months. Income protection covers a share of your income and can pay out for much longer.