020 8668 6080

Protection

Income protection

Income protection can pay a regular monthly benefit if you are unable to work because of illness or injury, after a chosen waiting period. We help you compare benefit levels, deferred periods, policy terms and budget so the cover is built around your circumstances. Cover is subject to insurer terms, conditions and underwriting.

We all insure our cars and homes but we don't always look after what pays for it all: our earnings.

A family spending time together at home
Protection advice that keeps what matters most to your family secure.

How would you pay the bills if you were sick or accidentally injured and couldn't work?

When the unexpected happens, we know that what matters is peace of mind from a policy you can trust. Income protection policies can be straightforward, simple to arrange and individual to you, providing: An income to help replace any loss of earnings due to ill health or accidental injury.

Income Protection Insurance is designed to typically protect up to 70% of your gross salary if you are unable to work due to accident or sickness and, in some cases, unemployment.

Leading UK InsurersLife and protection policies compared
Protection TrustsHelp with standard provider trust forms
Bespoke AdviceCover built around your family and home

How it works

Starting your protection journey with us

Protection advice is about understanding what would need to be paid for, and making sure the right policy is in place to do it.

  1. 01

    Needs assessment

    We look at your family, income, mortgage and any cover you already hold, to work out what would need protecting, for how much and for how long.

    A clear picture of the cover you need
  2. 02

    Research appropriate insurers

    We compare policies from leading UK protection insurers, looking at the definitions, exclusions and options that matter for you as well as the premium.

    Suitable insurers shortlisted
  3. 03

    Recommendation and application

    We explain our recommendation in plain English, including what is and is not covered, and complete the application with you.

    Recommendation explained, application submitted
  4. 04

    Underwriting and cover on risk

    We deal with the insurer's underwriters, including any medical questions or reports, until the policy is accepted and your cover starts.

    Your cover is in force
  5. 05

    Policy trust forms and review

    Where appropriate, we can help you complete standard provider trust forms for a protection policy. We're not authorised to provide tax advice; you should speak to a tax professional. We can also review your cover when your circumstances change, such as a new home, a new baby or a new job.

    Cover kept in step with your life

Ready to take the first step?

Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.

020 8668 6080

Check income protection options

A short review can help identify how long your household could manage without income and what cover may be suitable.

Call us on 020 8668 6080