Plans starting from £5/Month

Secure Your Financial Future with Income Protection

Replace up to 70% of your pre-incapacity income.

Comprehensive cover from

What is income protection ?

Income protection insurance can be your financial guardian angel during unexpected illness. If you find yourself unable to work due to a health setback, this valuable policy steps in to provide a reassuring stream of income, ensuring that your essential expenses are covered while you focus on recovery.

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Protect Your Income, Secure Your Peace of Mind

Income protection insurance aims to replace up to 70% of your pre-incapacity income, providing financial resilience when you need it most.

Common conditions that are covered include:

  • Accidents
  • Illness
  • Mental health excluding stress

Payments can be used for:

  • Mortgage or Rent
  • Household Bills
  • Family Living Expenses
  • Childcare Costs
  • Debt or Loan Payments
  • Leisure and Travel Expenses
  • Food and Other Essential Costs

Exclusions:

All insurers have exclusions, typically including:

  • Pre-Existing Conditions: No coverage for pre-existing illnesses or injuries.
  • Unemployment: No coverage for job loss.
  • Redundancy: No protection against redundancy.
  • Self-Inflicted Injuries: Injuries from intentional self-harm are excluded.
  • Illnesses or Injuries Due to Substance Abuse: No coverage for illnesses or injuries arising from substance abuse.
Family

Safeguard Your Family’s Financial Well-being

Protect your future and loved ones with our trusted insurance partners. We work with our regulated leading income protection insurer, Shepherds Friendly Est 1826 to provide your quote.

We understand that unexpected events can impact your ability to earn, and that's why we offer policies tailored to your needs.

Why Choose Income Protection?

Private income protection offers a variety of benefits:

  • Financial Resilience When You Need It Most
  • Replacing up to 70% of Monthly income When injured
  • Peace of mind & ensures your essential bills are covered while you recover.
  • Provides tailored Coverage for Personalized Safety net
  • Tax-free payments

Ready to Safeguard Your Finances?

Here’s some additional benefits of a policy with our partners at Shepherds Friendly

Nuffield Health Benefits

24/7 Virtual GP

24/7 GP access wherever your client is. With unlimited appointments, members can have as many 20- minute video or phone GP consultations as they need, giving our members peace of mind knowing their health is in good hands.

Gym Membership Discount

Your clients can enjoy the benefits of a Nuffield Health Gym membership for 20% less. Members will also gain discounted access to physiotherapist, personal trainers and Health MOTS.

Emotional Wellbeing
Platform

Accredited by the National Institute for Health and Care Excellence (NICE), the Nuffield Health Emotional Wellbeing platform is designed to help your clients maintain and improve their emotional wellbeing.

Family Support Benefits

New Child Payment

£250 into a Shepherds Friendly Junior ISA

Available for Income Protection plan holders children, provided they are born or adopted after 23 September 2019, and during the period the benefit is offered; and 45 weeks after the start date of the Income Protection plan.

Bereavement Payment

£6000 family support payment

Paid to the family of the IP plan holder in the unfortunate event that they pass away during the term of their plan. Paid in £1000 installments over a 6-month period, or if there is no surviving spouse or civil partner, a £6000 lump sump.