Income protection advice

Your income is the engine behind everything else. It pays the mortgage, the bills, and the cost of everyday life. Yet if illness or injury stopped you working, many people would run out of savings far faster than they expect, and sick pay from an employer, if there is any, rarely lasts long.

Income protection helps replace part of your income if you cannot work, so you can keep paying the bills and focus on getting better. We help people across Buckinghamshire, Berkshire and Oxfordshire put it in place.

Income protection pays you a regular, tax-free income if you are unable to work because of illness or injury. It typically starts after a waiting period you choose, and continues until you are able to return to work, for a set fixed period, or until retirement, depending on the policy.

It is designed to be there for as long as you genuinely need it, which is what sets it apart from shorter-term cover.

Income protection plans do not acquire a cash value. The cover provided will cease if premiums are stopped.

Why it is so often overlooked

Income protection is one of the most valuable forms of cover and one of the least arranged, largely because people assume they would cope, or that the state or their employer would step in.

In reality, statutory support is limited and employer sick pay usually runs out quickly. We help you understand what you would actually fall back on, and whether income protection makes sense for you.

Cover that fits your work and your budget

The cost of income protection depends on factors such as your job, the waiting period you choose, and how much of your income you want to protect.

We help you balance the level of cover against the cost, so you end up with protection that is genuinely useful and genuinely affordable.

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