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Income Protection Insurance

Income protection provides you with a tax free income if you are unable to work due to an illness or injury. These payments can either be to your estimated retirement age, the end of the policy term or your able to return to work. Whichever comes first.

Accident & Sickness Insurance*

Accident & sickness insurance is also known as short term income protection. It is similar to income protection, but instead of paying you for long periods of time, you choose a payout term of 1 or 2 years. This can reduce the cost of the cover and give you time to plan ahead.**

Mortgage Payment Protection

Mortgage payment protection will cover your mortgage payments if you are unable to work due to injury or illness. The amount paid is similar to your mortgage payment and the term is recommended to be the same as your mortgage term.

*Accident, Sickness and Unemployment Cover typically costs £4.71 a month for every £100 of monthly benefit.  This is based on a 36year old customer choosing £850 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period.  The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation.  As a result, the cost you will pay is based on your own circumstances.

**There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income.  For impartial advice about this type of insurance, please visit the website

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Do you need Income Protection?

Life insurance is something we have all heard of and is designed to provide for your family should you pass away. But a much more common risk is being unable to work due to sickness or an accident. Statutory sick pay is currently £92.05 per week for 28 weeks, then if your still unwell you may be entitled to Employment and Support Allowance (ESA), which is means tested but is typically £73.10 per week. Could you maintain your life style and pay your bills if that was your only income? Would your hard earned savings be lost paying bills until you recover? Income protection can protect you from this risk by providing you with a tax free income. Contact us today for further advice.

Online Mortgage Advice and Life Insurance

We use a mix of technology to save you time and effort in both obtaining a mortgage and protecting your financial future. So you shouldn’t need valuable time off work to meet with an advisor as we can do everything online and over the phone. We aim to take the load off you and work tirelessly to provide you with the most suitable advice. We pride ourselves on going above and beyond what’s expected.

Help with tough decisions

Protecting your family should life throw you a curve ball is part of your suitable overall financial planning. But if can be difficult to understand what’s available and exactly what some of the options do. We will discuss some of the risks with you, so you can decide what risks you would like to make a priority. We can then explain the different insurance option and how they cover those risks. The great thing is that cover can be tailored to most people’s budgets, so cover need not cost more than you can afford.