Income Protection
What Is Income Protection Insurance?
Income protection insurance pays a regular, tax-free monthly benefit if illness or injury stops you working. Typically it replaces up to 70% of your usual earnings, helping you cover mortgage, bills, childcare, and food while you're off work and can't earn.
When you apply, you choose a waiting period (the delay before payments start — commonly 4 weeks, 13 weeks, 26 weeks, or 12 months) and a benefit period (how long payments continue — up to retirement age on many policies). Longer waiting periods usually mean lower premiums. Your policy also has a definition of incapacity that sets the circumstances under which you can claim.
Income protection is especially worth considering if you're self-employed, don't receive full sick pay, or don't have a partner's income or savings to fall back on. UK Sure is an FCA-regulated broker and can arrange cover that matches your occupation, health, and budget. Speak to our team on 01323 416706 or get a quote online.
Why Our Income Protection
What's NOT Covered
Key Features of Our Income Protection
Income protection is there to replace what you earn when illness or injury puts you out of work. A good policy keeps your household running — the mortgage paid, the bills covered, the fridge stocked — while you focus on recovery rather than finances.
Up To 70% Of Your Salary
Monthly tax-free benefit replaces most of your usual take-home, so essential outgoings don't drop off a cliff.
Tailored To Your Job
Cover for employed, self-employed, and contractor roles — arranged with insurers who understand your occupation.
UK Sure is an FCA-regulated insurance broker. We'll talk through waiting periods, benefit levels, and the definition of incapacity so you know exactly when the policy will pay out before you commit.
Frequently asked questions
1. How much does income protection cost?
Premiums depend on your age, occupation, health, smoker status, the benefit amount, the waiting period, and how long the policy runs. A longer waiting period usually lowers the premium. Call 01323 416706 for a personalised quote.
2. How much income will I actually receive?
Most policies pay up to 70% of your gross earnings, less any state benefits or sick pay you're already receiving. You choose the level of cover that matches your essential monthly outgoings — rent or mortgage, bills, childcare, food, and loan repayments.
3. How long before payments start?
You choose a waiting (or deferred) period when you apply. Common options are 4 weeks, 13 weeks, 26 weeks, or 12 months. If you're still unable to work when that period ends, the monthly benefit starts and continues until you return to work, the benefit period ends, or you reach retirement age.
4. Is the benefit taxable?
Monthly benefits from a personal income protection policy you pay for yourself are paid tax-free. If cover is provided through an employer scheme, different tax rules may apply — speak to our team about how this affects you.
5. Can self-employed people get income protection?
Yes — and it's often more important if you're self-employed, because you won't receive statutory sick pay. We arrange cover for sole traders, contractors, and company directors. The benefit is usually based on your net profit or drawings over the previous 12 months.
6. Do I need income protection if I have life insurance?
They cover different risks. Life insurance pays a lump sum if you die during the policy term. Income protection pays a regular income if you're alive but too ill or injured to work. Many people hold both — call 01323 416706 to discuss what's right for your situation.