If you lost your income due to illness or an accident, would you be able to keep on top of your regular outgoings such as your mortgage? That’s where income protection insurance can help.

Designed to pay you a regular income until you retire or can return to work, they usually pay around a half to two-thirds of your usual earnings before tax (to allow for state benefits you can claim and the fact the income you get is tax-free).

You usually have to wait a minimum of four weeks before the payments start, but depending on the policy both short and long-term illnesses can be covered (critical illness cover is similar, but provides a lump sum if you’re diagnosed with certain illnesses or disabilities).

We have access to a large panel of insurers, so can arrange cover quickly and easily, with very competitive premiums.