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What is income protection insurance?

Income protection is an insurance policy that pays out a tax-free monthly sum if you’re unable to work because of injury or illness.

This payment continues until you can start working again, or, in some cases, until you retire. It will give you and your family the reassurance of a continued income until you are able to start working again, knowing that your bills will be paid, and your lifestyle will remain the same.

Frequently asked questions

  • Do you need income protection for a mortgage?

    You do not need to an income protection policy when you get a mortgage. However, borrowers may want to consider how they will make payments if they cannot work due to an injury or illness. You should check with your employer to see if you have any benefits that could cover you and take a look at your savings and how you would bridge any gap in income if you were unable to work.

  • What does an income protection policy cover?

    Each policy will have different conditions, such as short-term protection where you receive a regular payment in place of your wages if you are ill, injured or in some cases involuntary redundancy where you can’t do your existing job. Long term protection will cover you until you return to work, retire or until the protection cover ends. You would need to disclose any pre-existing medical issues.

  • How much does income protection cost?

    It depends on the type and level of cover you require, your age and health and the length of the policy. 

    To discuss cover specific to your circumstances, book a no obligation telephone appointment with one of our expert insurance advisers.

Why choose The Mortgage Brain for insurance?

We have access to thousands of insurance products from hundreds of trusted providers

Our protection specialists are fully qualified to advise on the best products

We have thousands of happy customers with a 5/5 rating on Trustpilot and 4.9/5 on Google reviews

Your dedicated insurance & protection specialist will be with you every step of the way, from the initial consultation to the completion of your policy

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