Most people would struggle within weeks if their income stopped. Statutory sick pay is minimal, employer sick pay runs out, and savings only stretch so far. Income protection pays a regular tax-free income if illness or injury prevents you from working — for as long as you need it. If protecting your mortgage specifically is your main concern, we can also help with mortgage protection.
Why it matters
Your income is your most valuable asset
Everything in your financial life depends on your ability to earn — your mortgage, your bills, your family's standard of living. Income protection is the cover that keeps it all intact if illness or injury takes you out of work.
Replaces a portion of your income if you're unable to work
Pays out until you return to work, or until retirement if needed
Particularly important if you're self-employed with no sick pay
Tax-free payments — not counted as taxable income
We explain all options clearly so you only pay for what you need
Long-term income protection
The most comprehensive option — pays a regular income from when your sick pay ends right through to your chosen retirement age if you remain unable to work. Gives you the security of knowing your finances are covered no matter how long a condition lasts.
Short-term / accident & sickness cover
Pays out for a defined period — typically 12 or 24 months — if you're unable to work. A more affordable option that still provides meaningful cover during the period most people feel the financial pinch most acutely.
Self-employed income protection
If you work for yourself, there's no employer to fall back on — statutory sick pay is your only safety net, and it's very limited. Income protection for the self-employed is tailored to variable earnings, making sure your cover reflects what you actually earn.
Statutory sick pay is £123.25 per week. Could you live on that?
Many people assume the state will step in if they can't work. In reality, Statutory Sick Pay runs for a maximum of 28 weeks and is unlikely to cover your mortgage, bills and day-to-day costs. Income protection fills that gap with a level of income you've chosen in advance — so you're not making financial decisions under pressure at the worst possible time.
For impartial information about insurance, please visit the Money Advice Service website at www.moneyadviceservice.org.uk
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
Getting started
How it works — four simple steps
1
Free consultation
Call or email us — no obligation, no jargon. We listen to your circumstances and explain your options clearly.
2
Needs assessment
We assess your income, outgoings, dependants and existing cover to identify any gaps in your protection.
3
Recommendation
We present our recommendation with a clear written report — no pressure, just honest advice about what we think is right for you.
4
Application
We handle all the paperwork and keep you updated throughout — and we're here to help if you ever need to make a claim.
Setting the record straight
Income protection myths — busted
These are the reasons people put off taking out income protection. Here's the truth behind each one.
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Myth
"My employer's sick pay will cover me."
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Reality
Employer sick pay varies widely and rarely lasts more than a few months. After that, you drop to Statutory Sick Pay — and after 28 weeks, nothing. Income protection starts exactly where your employer's cover ends.
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Myth
"It'll never happen to me — I'm fit and healthy."
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Reality
The majority of income protection claims arise from long-term illness, not accidents — conditions like cancer, mental health disorders and musculoskeletal problems that can affect anyone at any time.
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Myth
"The state will support me if I can't work."
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Reality
State benefits are means-tested and far below most people's actual outgoings. They won't cover your mortgage, maintain your lifestyle or protect your family's financial security the way a proper income protection policy can.
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Myth
"I'm self-employed — this kind of cover won't work for me."
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Reality
Income protection is arguably more important for the self-employed than anyone else. Policies designed for variable earnings exist, and we can help you find one that reflects how you actually get paid.
For impartial information about insurance, please visit the Money Advice Service website at www.moneyadviceservice.org.uk
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
Don't leave your income unprotected. Talk to us today.
No obligation — just honest, expert advice from a qualified Scottish protection advisor.
The information on this page is for guidance only and does not constitute personal advice. For impartial information about insurance, please visit www.moneyadviceservice.org.uk
Initial consultations are free of charge and carry no obligation. However, a broker fee may be payable upon application for mortgage or insurance products. We will always make any applicable fees clear to you before you proceed.
Why not request a callback from our experts today?