Income protection

Tips to Prepare

for Your Quote

Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

If illness or injury means you’re unable to work, the financial impact can be significant. Income protection is designed to provide a regular income during these periods, helping cover essential costs such as mortgage payments, bills, and everyday living expenses while you recover.

Income protection can support employed, self-employed, and contract workers, offering peace of mind that your income and lifestyle are protected if you’re unable to work. Cover is tailored to your circumstances, budget, and income structure, with clear guidance provided throughout the process.

Expect a seamless, straightforward, and stress‑free journey.

Whether it’s reviewing your income protection needs or arranging the right cover for your circumstances, we keep every step simple and clear - from your first enquiry to putting cover in place and long after.

22+

Insurers

100+

Protection insurers

Tailored

Advice based on individual circumstances

Ongoing

Support and policy reviews as needs change

FAQ's

Frequently Asked Questions

What is Income Protection Insurance?

Income Protection pays you a regular income if you can’t work due to illness or injury. It helps cover your essential costs while you recover.

Who is Income Protection designed for?

Anyone who relies on their income — employees, contractors, or the self-employed — can benefit from having a financial safety net in place.

How does Income Protection work?

If you’re unable to work, your policy pays out a monthly income after a chosen waiting period. Payments continue until you return to work, retire, or reach the end of the policy term.

How much does Income Protection cost?

The cost depends on factors such as your age, health, occupation, lifestyle, and the level of cover you choose. We can help you compare options to find affordable protection.

What affects the price of Income Protection?

Your age, medical history, job type, lifestyle habits, and how quickly you want payments to start can all influence the premium.

Can self-employed people get Income Protection?

Yes. Income Protection can be especially valuable for the self-employed, as it replaces lost income when you’re unable to work and don’t have employer sick pay to rely on.

Hollybeck Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Hollybeck Limited. Registered address: 81 Burton Road, Derby, Derbyshire, DE1 1TJ. Registered in England & Wales under number 10337505.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Our typical fee is £495.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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