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Income Protection
We can guide you in choosing the right income protection plan, whether you're self-employed, employed, or simply looking to secure your financial future. We work with top insurers to offer tailored cover that suits your lifestyle and budget
Important: Income protection policies have exclusions and limitations. Always review the terms and conditions carefully before committing.
Warning:The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
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Tracker Mortgages:
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Standard Variable Rate (SVR) Mortgage
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Level Benefit:
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Indexed (Inflation-Linked) Benefit:
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Short-Term Benefit:
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Long-Term Benefit:
Mortgage types
Your interest rate and monthly payments stay the same for a set period, typically 2 to 5 years, offering stability and budgeting confidence.
The interest rate moves in line with the Bank of England’s Base Rate, plus a set margin. Payments can go up or down over time.
A lender’s default rate that you may move onto after an initial deal ends. It can change at any time and is usually higher than introductory rates.
Repayment Options
Income protection policies offer different payout structures based on your needs and budget. Understanding these options is essential when choosing cover.
Pays a fixed monthly amount throughout the claim period. The benefit amount does not change over time.
The payout increases annually in line with inflation (RPI or CPI), helping maintain your standard of living during long-term claims.
Provides cover for a limited time (e.g. 1–2 years per claim). Ideal for those seeking lower premiums and temporary support.
Continues paying until you return to work, retire, or the policy ends. Offers comprehensive protection against prolonged illness or injury.
