Insurance
Income Protection
Your cover can potentially pay you out a regular lump sum of money throughout the term of the policy should you suffer an accident or illness that makes you unable to work, think of it like a private sick pay policy.
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Comprehensive Protection
Covers both physical & mental health.
Just think, this policy will allow you to pay all your bills & maintain your family’s lifestyle whilst recovering at home without the added stress of your employer sickpay running out and you having to make a premature return to work.
Physical & Mental
Total recovery protection covering all forms of physical illness or emotional burnout.
Lifestyle First
Maintains your complete household cashflow so your family continues to thrive.
The Mechanics
How does income protection work?
Income protection will cover a proportion of your annual earnings, up to a certain age (most commonly retirement age) the policy will continue to pay out a regular income until you are either medically fit enough to return to work or your policy comes to its end in many years to come.
It’s the policy that protects your bill, commitments and lifestyle should life throw its obstacles at you.
Policy Lifespan Timeline
Proportion of Earnings
Covers a generous portion of your normal annual earnings securely tax-free.
Up to Retirement Age
Configured to continuously run up to your chosen retirement age threshold.
Medical Fit Return
Pays out until you’re medically fit to return to work of the policy ends
Who needs income protection cover?
Honestly? Every working person.
No matter what type of sick pay your employer provides, it will come to an end.
We work with many NHS & Police professionals, all of whom have 6 months full and 6 months half sick pay—and all of whom still need policies to protect their commitments when those thresholds drop.
Standard Employee Reality
Whether you have generous work packages or typical private agreements, all sick leave pay scales have strict expiration dates.
Comprehensive Protection
The State Sick Pay Predicament
Under the government safety net, you are given a total budget equivalent to only £116.75 a week. Try toggling between these three critical commitments to see the hard reality:
1. The Mortgage Payment
Requires prompt full monthly cover
2. Essential Household Bills
Utilities, tax, and transport upkeep
3. Weekly Food Shopping
Sustaining standard health & lifestyle
£116.75 / week
Mortgage Commitment
UNPAID
Essential Household Bills
UNPAID
Weekly Food Shopping
UNPAID
Allocating all £116.75/wk to the Mortgage secures your roof, but your utility bills fall straight into default and food shelves go empty.
Private Policy Setup
Covers all 3 continuously
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