Income Protection


Income Protection policies pay a monthly tax free income (normally 60% of your salary) if you become unable to work due to illness or disability. Providers of this type of policy begin paying after you have been off work for a defined period called the ‘deferred period’. The deferred period is chosen by you and highly recommended to be scheduled to start paying once your specified NHS payment period stops. The monthly premium gets lower the longer the deferred period you choose. The policy continues to pay until you are able to work again or until the end of the term, usually retirement.


Illness, accident or disability can happen to anyone. Many organisations offer comprehensive income protection benefits for their employees. After the defined periods however, your income will stop and it is your responsibility to ensure that appropriate cover is in place to protect yourself.



  • It pays you a tax free income in the event of you being totally unable to work in your chosen profession, directly as a result of illness or injury.
  • It should commence payment when your salary reduces or ceases. It can supplement any ill health benefits provided by your occupational pension scheme.
  • Ideally, it should pay an on-going income, to your chosen retirement age which is selected at the outset, or until you can resume your own occupation.

For a quotation, please go to our Quotation Centre or alternatively if you wish to enquire about a tailored solution, please don’t hesitate to Contact Us for a no obligation initial consultation over email or telephone.