Income Protection Insurance UK | Protect Your Monthly Income

Your income is one of your most important financial assets. If illness or injury prevented you from working, would you still be able to cover your mortgage, bills, and everyday expenses?

Income protection insurance is designed to provide a regular monthly income if you’re unable to work due to illness or injury. This financial support can help you maintain your lifestyle and continue meeting essential commitments while you recover.

Unlike other types of protection, income protection replaces part of your earnings until you’re able to return to work or until the policy term ends.

Many people arrange income protection alongside their mortgage or other protection policies to ensure they have financial security if their income suddenly stops.

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Types of Income Protection

Short-Term Income Protection

Short-term policies usually pay out for a fixed period, such as 1, 2 or 5 years per claim. These policies are often more affordable but provide cover for a shorter time.

Long-Term Income Protection

Long-term policies can provide payments until you return to work, retire, or reach the end of the policy term. This option offers more comprehensive protection if you’re unable to work long

Own
Occupation Cover

Some policies cover you if you’re unable to perform your specific job. This level of cover is often considered one of the strongest forms of income protection.
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What Is Income Protection?

Income protection insurance provides a monthly payment if you cannot work due to illness or injury.

Instead of a one-off payout, the policy pays you a regular income that helps replace part of your salary, allowing you to keep up with essential expenses such as:

Mortgage or rent payments
Household bills and utilities
Loan or credit repayments
Food and daily living costs
Childcare expenses

Most policies typically replace around 50–70% of your usual income, helping maintain financial stability while you recover.

This type of protection covers a wide range of illnesses and injuries that prevent you from working, not just specific conditions.

Legal Information :

Fee Free Mortgage Broker is a trading style of Alexander Southwell Mortgage Services Ltd, authorised and regulated by the Financial Conduct Authority (FCA) (FRN 1011890).
Registered in England & Wales (Company No. 11772228).
Registered office: Nix Business Centre, 2 Park Court, Abbey Park Industrial Estate, Romsey, Southampton, SO51 9DH. We are registered with the Information Commissioner’s Office, registration number ZA488146.© 2062 , Inc. All rights reserved.

FCA Disclaimer :

Information on this website is for general guidance only and is accurate at the time of writing. It does not constitute personalised financial advice. Mortgage criteria and lender policies can change; please speak to an FCA-authorised adviser for up-to-date advice tailored to your circumstances. Some buy-to-let mortgages are not regulated by the FCA.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Income Protection

How can we help you?

let us know about your circumstances to get your application started