Income Protection
Income Protection replaces a portion of your income if you cannot work due to illness or injury. It keeps your finances on track and gives you time to recover without added stress.
When should I think about Income Protection?
Income Protection is worth thinking about if your income is essential for covering everyday costs such as your mortgage, rent, bills, or family expenses. It’s especially important if you’re self-employed, have limited sick pay through work, or would struggle financially if you were off sick for more than a few weeks.
It’s designed to replace a portion of your income if you can’t work due to illness or injury, so you can focus on getting better without worrying about how to pay the bills. The earlier you arrange it, the more affordable it tends to be - and the greater your peace of mind.
Why is Income Protection important?
Your ability to earn is often your most valuable asset. If illness or injury stopped you from working, how long could you manage without your income? Income Protection gives you financial security by paying a regular monthly benefit until you’re well enough to return to work - or, in some cases, until retirement.
It helps you stay on top of your mortgage or rent, pay household bills, and keep life running smoothly. For many people, it’s one of the most important types of cover because it protects not just your income, but your independence, your home, and your lifestyle.
What if I do not have Income Protection?
Without Income Protection, a period of illness or injury could quickly lead to financial stress. Statutory sick pay or savings might only last a short time, leaving you struggling to meet essential expenses.
Without that safety net, you could fall behind on bills, dip into savings, or even risk your home if you can’t keep up with payments. Having Income Protection in place gives you the confidence that if you’re ever unable to work, you’ll still have a regular income coming in - allowing you to recover properly without financial pressure.
If paying your bills and no losing your home is important...
Ready to take the next step? Get in touch with the KeyFS team today to talk through your options. We’ll listen, understand your needs, and help you find the right protection to give you and your family complete peace of mind.
Insurance answers
We know talking about insurance isn’t always easy, but protecting your family’s future is one of the most important financial decisions you can make. At KeyFS, we’re here to make it simple, clear, and completely transparent.
Paul and Aynsley help families every day to find cover that gives peace of mind - whether that’s life insurance, critical illness cover, or income protection. Below, we’ve answered some of the most common questions people ask when thinking about protecting the people who matter most.
If you’re self-employed or your employer only offers limited sick pay, income protection can be a financial safety net when you need it most.
Unlike critical illness cover, income protection can pay out for a wide range of medical reasons, even if it’s something like stress, back pain, or a broken leg.
You can opt for short-term cover (like 1 or 2 years) or longer-term protection that lasts until you retire. It all depends on what suits your needs and budget.
If illness or injury stops you from working, income protection pays you a regular monthly amount, helping you cover essential bills while you recover.
It's time to make the right choice for yourself and your family.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters.
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We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances.