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Income Protection


Income Protection

Policies that pay the bills
when you can't.

Could you pay the bills if you were sick or injured and couldn't work?

Essential Insurance cover you if you are sick or injured

Income protection cover can help replace loss of earnings due to ill health or accidental injury.

Inflation-linked cover - so you can protect against rising living costs.

Tax free benefit -
spend the tax-free money however you want.

A hassle-free claims process.

Award-winning insurance


We can offer you protection insurance that has been awarded five stars by Defaqto.

But more importantly, we’ll compare leading UK insurers to find you the best cover we can for your needs.

Why not speak to
an advisor today?

Together we can explore different insurance options to see which one’s right for you.

Free, quick, no obligation quote

Free, quick, no obligation quote

We believe it’s important to listen to you to understand your needs and so we can get every detail of your cover right.

Our experts offer no obligation advice and we’ll recommend the right policy for your circumstances and budget.

Types of Income Protection

The amount of benefit you receive and the amount you pay each month are fixed on day one and won't change.

This means that whilst any benefit you receive in the future will be the amount agreed upon when you took your policy out, it could buy you less as it may not have kept up with inflation.

Your premium is guaranteed. This means it will not change, unless you have chosen inflation-linked cover.

The amount you are covered for and the premium you pay go up each year in line with inflation.

This is measured this using the Retail Prices Index (RPI).

When you apply for your policy the premium you need to pay is calculated based on a number of assumptions.

These assumptions are reviewed on an on-going basis and the premium you pay may need to change.

This means your payments are not guaranteed to remain the same for the whole term of your policy.However the premium you pay will not be changed within the first 5 years of your policy starting, but after that we can change it every year.

Your premium could then go up, go down, or remain the same.

Frequently Asked Questions

If you are aged between 17 and 59 you can take out income protection through Essential Insurance.

Your policy must last for at least 5 years and must end before you reach the age of 70.

Up to 55% of your annual income before tax up to a maximum of £12,000, however no matter what your income is, we can give you at least £1,500 a month.

If you decide to take out cover of less than £1,500 a month, we'll payout the amount of cover you choose.

The minimum amount of cover you can take is £100 a month and prices start from as little as £5 per month.

With Budget Income Protection, the regular monthly income will be restricted to a maximum of 24 months, however as the name suggests this will reduce the monthly premium you pay.