Income protection is a type of insurance that helps ensure your financial security by providing you with a regular income if you’re unable to work due to illness or injury.

It kicks in after any employer-provided sick pay ends, but if you don’t have sick pay, the policy can be tailored to start paying out as soon as you need it, offering flexibility to suit your individual circumstances. The insurance typically covers a percentage of your income, helping you meet essential financial commitments such as mortgage payments, bills, and living expenses until you can return to work or until the policy term ends. This cover provides peace of mind by offering ongoing financial support during challenging times.