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Income Protection Plans

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Income Protection

You often hear "it could never happen to me" or "I'll sort it out later".

The old maxim of "failing to plan is planning to fail" is very relevant to income protection. If the worst was to happen, you need the right safety net in place, ensuring you and your family gain the necessary security and assurance. Our family-run company has been specialising in this sector for more than 30 years. As an impartial business, our goal is to ensure you get the right level of protection at the most competitive rate.

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How does income protection work?

Income protection plans are designed to pay out a regular income in the event of being unable to work due to an accident or illness.

The insurance provider continues to pay out an income for as long as you are unable to return to work up until the end date of the policy (typically your retirement age). Policies vary considerably from one lender to another, and there are various types of income protection plans to consider, covering accident, sickness, and unemployment.

How can we help?

Who is it for?

This type of plan is designed for anyone working (employed or self-employed). It is worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than 12 months; therefore, ongoing protection is essential.

These plans can be adapted to fit in with any existing protection already in place. Mortgage Store's experienced advisers will work tirelessly to ensure you get the right cover for you and your family.

  • We have access to exclusive deals, and we search hundreds of plans before recommending cover that fits your needs.
  • With a straightforward approach, we cut through the complexities and jargon to keep you informed every step of the way.
  • Plans typically cover 50% to 70% of your earnings.
  • You can claim as many times as you need to — whilst the policy lasts.

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