Income protection insurance is designed to replace a portion of your salary if you are unable to work due to illness or accident, providing crucial financial stability when you need it most. Unlike critical illness cover, which pays out a single lump sum for specific serious conditions, income protection pays regular monthly benefits—typically between 50% and 70% of your gross earnings—to help cover your ongoing expenses such as mortgage payments, rent, and household bills.

These payments continue until you are able to return to work, reach a specified age (such as your planned retirement), or until the policy ends, whichever comes first. This means you and your family can continue to meet your financial commitments even if your income is interrupted for an extended period. Income protection policies often cover a wide range of illnesses and injuries, not just a set list of critical conditions, making them a flexible solution for long-term financial security.

Additionally, income protection can be particularly valuable for self-employed individuals or those without access to generous employer sick pay, as statutory sick pay is often insufficient to cover all living costs. By providing a reliable replacement income, this insurance helps ensure that a period of ill health does not lead to financial hardship for you or your loved ones.

Take control of your financial security—explore income protection insurance today and give yourself and your loved ones peace of mind for the future.