Your bills don’t stop if you’re off sick - and neither should your income. With the right advice, you can focus on recovery, not your bank balance.
Keeps your income flowing, even if you’re not.
If you’re signed off work due to illness or injury, income protection gives you a regular monthly payment - like a payslip that hasn’t skipped a beat.
Not just a rainy day plan - it’s for the long haul.
Many policies can keep paying until retirement if needed. So whether it’s a few months or a few years off work, you’re backed up the whole way.
PAYE or own boss - we’ve got you.
Self-employed? No sick pay? No worries. Income protection steps in for both salaried workers and business owners when illness stops the money coming in.
Not one-size-fits-all. We make it fit you.
We help you choose a policy based on your job, income, health and lifestyle - so you’re not paying for stuff you don’t need, and not missing out on what you do.
Your cover starts when your sick pay stops.
Income Protection can be timed to kick in after your sick pay ends - whether that’s four weeks or six months or no sick pay at all. We help you align it to avoid any income gaps.
Because no one plans to get poorly.
If illness keeps you off work, you won’t need to panic about bills - or dip into your hard-earned savings. Rest, recover, and keep life steady without draining what you’ve built.
We don’t like to think about it, but illness or injury can stop anyone in their tracks - even the healthiest, hardest-working people. And when you can’t work, the bills don’t hit pause.
Whether it’s your rent or mortgage, groceries, or keeping the heating on for your family - Income Protection helps make sure life carries on, even when you can’t.
With the unpredictability of life, we all know that the unfortunate can happen to us at any moment. But you might be asking yourself, when can Income Protection come in handy?
You may have the option of claiming Statutory Sick Pay from your employer, but since it only covers less than 20% of average earnings in the UK, it’s worth asking, would £118.75 a week be enough to cover items such as utility bills, mortgage/rent payments, food shops, childcare costs and lifestyle expenses?
1 in 2 people will experience a period of ill health lasting over a month during their working life.
(Source: LV= Risk Reality Report 2023)
Mortgage or rent is the biggest monthly outgoing for most UK households - Income Protection ensures it still gets paid, even when you’re off sick.
(Source: ONS, 2024)
Only 6% of UK workers have Income Protection in place - despite most agreeing they couldn’t cope without their salary.
(Source: Which?, 2023)
Over 60% of UK adults lack a plan if they couldn’t work for three months or more.
(Source: Royal London, 2024)
Self-employed workers are 3x more likely to have no cover in place if they get sick or injured. With no employer sick pay to fall back on, many are left financially exposed - facing unpaid bills, mounting stress, and uncertainty during recovery. Income Protection can be a safety net that keeps life moving, even when work can’t.
(Source: Protection Review, 2024)
The average household in the UK would run out of savings in just 32 days if income stopped.
(Source: Money Advice Service, 2023)
The average UK employee only gets Statutory Sick Pay - just £118.75 a week - barely enough to cover food, let alone rent or bills. For most people, that sudden drop in income could cause real financial strain in just a few weeks.
(Gov.uk 2025 rate)
In 2023, UK insurers paid out £726 million in Income Protection claims - with over 95% of claims accepted.
(Source: ABI, 2024)
Musculoskeletal issues, mental health and cancer are the top three causes of long-term absence from work.
(Source: Zurich Claims Data, 2023)
1 in 2 people will experience a period of ill health lasting over a month during their working life.
(Source: LV= Risk Reality Report 2023)
Mortgage or rent is the biggest monthly outgoing for most UK households - Income Protection ensures it still gets paid, even when you’re off sick.
(Source: ONS, 2024)
Only 6% of UK workers have Income Protection in place - despite most agreeing they couldn’t cope without their salary.
(Source: Which?, 2023)
Over 60% of UK adults lack a plan if they couldn’t work for three months or more.
(Source: Royal London, 2024)
Self-employed workers are 3x more likely to have no cover in place if they get sick or injured. With no employer sick pay to fall back on, many are left financially exposed - facing unpaid bills, mounting stress, and uncertainty during recovery. Income Protection can be a safety net that keeps life moving, even when work can’t.
(Source: Protection Review, 2024)
The average household in the UK would run out of savings in just 32 days if income stopped.
(Source: Money Advice Service, 2023)
The average UK employee only gets Statutory Sick Pay - just £118.75 a week - barely enough to cover food, let alone rent or bills. For most people, that sudden drop in income could cause real financial strain in just a few weeks.
(Gov.uk 2025 rate)
In 2023, UK insurers paid out £726 million in Income Protection claims - with over 95% of claims accepted.
(Source: ABI, 2024)
Musculoskeletal issues, mental health and cancer are the top three causes of long-term absence from work.
(Source: Zurich Claims Data, 2023)
They listened first, advised second. That’s rare these days.
Andrea (from the welcome team) helped us understand the legal docs and trust setup. She made a dry process feel easy. Thank you so much!
Rhys took the stress out of sorting mortgage protection. Clear advice, helpful, and actually enjoyable.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
