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Income Protection

Imagine not being able to work due to illness or injury – who would continue to provide for your family? Having an Income Protection policy in place can provide an income for your household whilst you are recovering.

Financial security in an uncertain world

  • Can replace your income whilst you are unable to work
  • Will pay-out if you’re unable to work due to injury, illness or accident
  • Long term or short term coverage is available
  • 35% of all households have no savings and would be on the breadline within 77 days
  • 36% of households have no strategy in place to cope with financial hardship

What Does It Cover?

An Income Protection policy will pay-out for almost any injuries, accidents or illnesses that make you unable to work. For example, one of the most common claims is for back injury or depression.

There is no pre-defined list of qualifying conditions, so as soon as your GP deems you are unfit to work and signs you off, you may be able to start claiming straight away.

Got a Question? – Just ask your account manager to explain everything.

How Does It Work?

You choose the amount of cover you require – think about your monthly outgoings and expenses as this is what you should be looking to cover yourself for – essentially it’ll replace your income whilst you are not earning money.

You choose the amount of cover and also how long the protection would last for – this could be months or years. If you are 45 and want to be protected until retirement, you would choose a policy to run for 25 years, (until retirement at 70).

Helping you make sound
financial decisions

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Losing a loved one is never easy…

but having life insurance in place can ease the financial burden at an emotionally difficult time. Our team of protection specialists can help you find the RIGHT policy at the RIGHT price. We even help you put your policy into TRUST for FREE which could protect it from the TAXMAN. Simply fill out the form and we will get everything ready and start preparing your quotes.

Ask Yourself:

  • Who would pay the rent or mortgage if you were to pass away suddenly?
  • Who would pay your children’s university fees or provide money for childcare whilst your surviving partner goes out to work?
  • Who would provide the money for your family’s food, clothing or lifestyle?
  • Who would pay for your funeral or clear your debts?

These are just a few things to think about when obtaining life insurance. If you pass away the policy will pay out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle in the event of your death.

We don’t talk to people like they’re just a number

Our expert advisers help people make informed decisions through expert financial advice.

Get Covered in 3 Easy Steps


Tell us how much money you would need to financially protect your loved ones


We will call you to discuss your options and provide comprehensive free quotes


You decide which policy to take and get protected today with no medicals or forms

We Provide Complete Cover For:

Life Insurance

Make sure your family have financial security in the event of your passing…

Income Protection

Protect your income if you’re unable to work due to illness or injury…

Critical Illness

Get a lump sum payment if you’re diagnosed with a serious illness…

Frequently Asked Questions

Whose Products Do We Sell?
  • We offer products from a range of insurers for life insurance and critical illness cover.
  • We offer protection products from a limited number of insurers for Whole of Life and Over 50s plans. A list of insurers we offer insurance from is available on request.
  • As we’re not tied to any ONE provider we are able to search our panel of insurers and find you the best price available to us.
  • We sometimes get preferential rates on selling policies which we pass on to you.
  • We are paid a commission by each insurer for setting up your policy – it costs you nothing to use our service.
What Service Do We Offer?
  • We are authorised by the FCA to advise our client on their protection needs. Our advisers will assess your demands and needs and recommend a suitable product that will protect you and your family. We get to know our clients and help them to decide on the right cover for the right price from a panel of leading UK insurers.
  • We will ask you a number of questions designed to make you think about the shortfall in your income in the event of the death of a partner or breadwinner. Our questions are simple and our advisers avoid jargon making it easy for clients to understand.
How Much Does Our Service Cost?
  • NOTHING – We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the insurer, but it still costs you nothing.
  • You will receive a quotation which will tell you about any policy premiums relating to any particular insurance policy.
  • We will put your life insurance policy into TRUST for FREE – this means that it may not be counted as part of your estate when you pass away and could secure it from the taxman – why should you lose your payout to the taxman’s inheritance tax?