Income Protection Insurance — Keep your income flowing even if you can’t work.
INCOME PROTECTION INSURANCE ADVISOR
Whether you’re in Aberdeen, London, or anywhere in the UK, our expert team provides clear, friendly advice from an expert life insurance advisor
Income Protection Insurance is essential for anyone who relies on their income to live. Whether you’re employed, self-employed, or a contractor, this cover provides a regular tax-free monthly income if you’re unable to work due to illness or injury.
At Hay-House Financial Services, whether you’re based in Aberdeen, London, or anywhere across the UK, our expert team is here to support you. We help you stay financially secure — even when life takes an unexpected turn.
Income Protection Insurance is a policy designed to replace part of your income if you can’t work because of accident, sickness, or poor mental health. Unlike one-off payouts, it gives you ongoing financial support — helping to cover your mortgage, rent, bills, and everyday costs until you recover or reach the end of your policy.
You choose how long the policy pays out for and when payments begin. The result? Complete flexibility and peace of mind.
This type of cover is suitable for almost anyone who earns a living. It’s especially important if you:
- Have limited sick pay through work
- Are self-employed or a contractor
- Have financial commitments like a mortgage or rent
- Support dependents or a family
- Don’t want to rely solely on government benefits
Statutory Sick Pay (SSP) in the UK is just £118.75/week (2025–26). That’s rarely enough to cover even basic expenses.
- Monthly tax-free payments (up to 60-70% of your gross salary)
- Covers both mental and physical illnesses
- Flexible deferred periods (when payments begin)
- Choose short-term or long-term cover
- Protects your lifestyle — not just your bills
- Available for employed and self-employed individuals
Short-Term Income Protection
Covers you for 1–2 years per claim. Ideal for temporary health issues.
- Lower cost, still provides essential coverage
Long-Term Income Protection
Pays out until recovery, retirement, or the end of the policy.
- Best for serious illness or long-term disability
- Prevents being forced back to work before you’re ready
Several factors affect your premium:
- Your age, job, and health
- The percentage of income you want to replace
- Your chosen deferred period
- The length of benefit (e.g. 2 years or until retirement)
At Hay-House Financial Services, we help you balance cost and coverage. We’ll tailor your policy to suit your lifestyle, budget, and existing sick pay arrangements.
- Experts in mortgage and income protection
- Expert advice — not tied to one provider
- Access to top UK income insurance companies
- We help you bundle policies for cost-effective protection
- No jargon — just clear, personal guidance
- Ongoing support from application to claim
Protect your income. Protect your life.
An unexpected illness or injury shouldn’t cost you your home or peace of mind. Let us help you protect your salary and maintain your lifestyle — no matter what happens.
Contact Hay-House Financial Services today for expert advice on life insurance.
Call us on 07502 523238 or Email sl@hay-house.co.uk to book your consultation today for expert, financial advice you can trust.