Income Protection

Income Protection is designed to provide a %age of regular income if you are unable to work due to illness or injury. It can help you continue to meet essential commitments such as mortgage repayments, household bills, and everyday living costs. Income protection is a long-term protection policy, not a savings or investment product, and benefits are paid only if policy conditions are met.

We provide clear, tailored advice to help you understand whether income protection is suitable for your circumstances. This includes discussing benefit levels, deferred periods, and how long payments may last. Recommendations are made in line with FCA regulations and take into account your employment status, income, existing benefits, and financial responsibilities.

It is important to understand that income protection policies have specific terms, conditions, and exclusions. We ensure you are fully informed about how and when benefits may be paid, the costs involved, and how the policy fits within your wider financial planning. Regular reviews may be recommended to ensure cover remains appropriate as your circumstances change.

• Assess your income and essential outgoings
  We review your earnings, expenses, and existing cover to determine an appropriate level of protection.

• Explain policy features clearly
  We guide you through deferred periods, benefit amounts, and payment durations so you understand how the policy works.

• Support with application and underwriting
  We assist with completing applications accurately and liaise with insurers throughout the process.

• Consider affordability and sustainability
  We help ensure the policy fits your budget and remains suitable over the long term.

• Provide ongoing review and support
  As your circumstances change, we remain available to review and update your cover if needed.