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  • Independent

    We offer advice from across the protection market.

  • Expert

    We help you understand what level of Income Protection insurance you need.

  • Personal

    We will break down all the jargon and talk in your language.

Income protection insurance

Would you have enough sick pay through your work or money saved up to cover your household bills if you couldn’t pay them? Why not contact us to discuss if income protection is for you.

What is Income Protection Insurance?

Income protection is designed to pay you a regular income if you were to suffer a long-term illness or suffer an injury and be unable to work.

If you need to claim, an Income Protection policy usually pays out between 50-70% of your income. These tax-free payments are usually made until you recover and return to work or until your policy term runs out.

It can be purchased as a standalone Income Protection policy. Or some people choose to combine it with their Critical Illness Cover.

As an independent broker, we can advise from a wide range of providers to ensure you select the level of cover suitable for you. Speak to Your Mortgage Expert today to find out if Income Protection is for you.

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Do I need Income Protection Insurance?

Income protection can play an important role in helping you to support your family even in difficult times.

We often advise our clients to consider the following. If you were to fall long-term sick and not be able to work, how would you pay your bills? Do you have enough savings or household income to cover your mortgage payments and other ongoing commitments?

If you don’t receive Income Protection as part of your employment benefits package, then it could be a prudent choice for you and your family.

As an independent broker, we can advise from a wide range of providers to ensure you select the level of cover suitable for you. Speak to Your Mortgage Expert today to find out if Income Protection is for you.

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Should I consider other types of Protection Insurance Cover?

Income Protection insurance only pays out if you were to be unable to work long-term. So we would advise you to consider additional polices to ensure you are adequately protected. For example, you might consider Life Insurance cover.

At Your Mortgage Expert, we offer independent advice on a range of personal protection insurance products to help look after you and your family. Some of these products can be complicated so it’s best to speak to someone to find out what’s most suitable for you.

Talk to Your Mortgage Expert to talk in-depth about your Life Insurance, critical illness and income protection needs.

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Our mortgage calculator can help you get a better idea of how much you can afford to borrow, and how much your mortgage will cost you in monthly repayments.

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  • “This was knight in shining armour stuff. Our conscientious mortgage broker was a delight to deal with from the off and the key to our dream home.”

    Max and Martha, First Time Buyer customers from Cardiff

  • “Being in the Armed Forces I am away a lot, meaning it can be hard to attend meetings, answer emails and especially hard to fill in forms. Adam and his team were extremely helpful and understanding of our situation and provided help wherever they could. After our initial meeting where we provided our required details, we actually did very little of the hard work, apart from signing a couple of papers.”

    Callum and Verena, First Time Buyer Armed Forces Mortgage Customer from Salisbury

  • “I expect my circumstances were fairly rare, but the help and guidance I received from you was invaluable. I feel that the personal touch you provide offers something that appeals to the soldier in me.  During my service I always liked to have a point of contact, someone who was the “go to” specialist in their field.  This provides a degree of assurance about a situation and it was refreshing to find that same degree of certainty transitioning to civilian life, particularly with something as important as a mortgage and buying our family home.”

    Andrew and Helen, Armed Forces Mortgage Customers from Salisbury

  • “Even though we were used to having a mortgage on the rental property, paying a mortgage on your own home was still a bit of a shock after years of having married quarter rental deducted from your pay at source. But, at every step along the way, we felt reassured, understood and that we really mattered to Adam. Trust is an important concept for military families and we trusted Adam.”

    Fiona and Graham, Armed Forces Mortgage Customers from Wilton

  • “As a contractor, it was difficult for me to obtain a mortgage through normal channels so it was great to find a mortgage adviser that specialised in contractor remortgages and understood the challenges. In addition, I had fairly tight timescales, so wanted someone who could make the process quick and hassle free.”

    Andrea, Contractor Mortgage Customer from Warminster

  • “I am a contractor, therefore require specialist mortgage advice. Adam has now concluded two mortgages for us (new mortgage then a contractor remortgage), and is currently arranging a buy-to-let mortgage for us. He also arranged our life insurance for us. We keep returning to him for some great reasons – he is always available, and ready to help. He provides great advice, and always ensures that he meets our requirements exactly. He is prepared to explain things in such a way that even a lummox like me can understand, and his level of service has remained consistently good over the last three years.”

    Matt, Contractor Mortgage Customer from Southampton

  • “Adam’s advice on the different types of critical illness and life insurance were really useful. He also worked with us to decide the best combination of policies that would work with our existing policies to cover our needs. When doing this he happily tweaked quotes for us until we came out with an arrangement that was both affordable and would provide us with the level of cover we thought appropriate.”

    Hannah and Steve, Protection Insurance Customers from Stamford

  • “Adam provided us with factual advice and also with options of which we were unaware. The advice on gifted equity was something we hadn’t heard about and this assisted us hugely to ensure repayments worked within our affordability. He provided us with a very personal service that made the journey from initial call, to mortgage offer and completion hassle free. We have already recommended Adam to someone and will continue to recommend his services in the future.”

    Saul and Laura, Home Mover Mortgage Customers from Salisbury

  • “Mike and I collected the keys to our flat this weekend and we couldn’t be happier. It’s been a long time coming but we got there! We just wanted to say a MASSIVE thank you for everything you have done for us so far. We’ve really appreciated all the help, advice and reassurance you’ve given us all the way through this process. It’s really nice to have a friendly voice on the other end of the phone.”

    Mike and Bethan, First Time Buyer Mortgage Customers from London

  • “Without question Adam found me a deal the estate agent’s broker couldn’t. He was very easy to contact whenever I needed him and he took time to explain the ins and outs of the Help to Buy equity loan scheme mortgage that he found me. I would rate him five out of five and will be back to use him when the time comes to remortgage or move.”

    Chris, Help to Buy Mortgage Customer from Southampton

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Registered office address: 18 New Canal, Salisbury, SP1 2AQ. The Guidance provided within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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