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Take Our Free 60-Second Assessment & Find Out How Much Your Income Protection Insurance Would Cost
(Cover starts at just £5 per month)
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Why Is Income Protection So Important?
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Statutory Sick Pay (SSP) is just £116.75 per week—could you live on that?
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Self-employed? You get no sick pay at all—so what’s your plan?
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1 in 4 women & 1 in 5 men will suffer a critical illness before retirement.
The Shocking Truth About Income Loss
Income Protection Insurance
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Replaces up to 70% of your lost income if you’re too ill or injured to work.
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Covers your mortgage, rent, and bills, so you stay financially secure.
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Covers serious illnesses, mental health conditions, back & joint issues, workplace accidents, and more.
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Pays out monthly, just like your salary—so life carries on as normal.
Don’t Leave It Too Late!
Income protection isn’t just for worst-case scenarios—it’s peace of mind that your financial future is secure. Find out how much you could receive every month with our free online assessment.
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Financial Security
Frequently Asked Questions
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What is Income Protection Insurance?Income Protection Insurance ensures financial security by providing up to 70% of your salary if you're unable to work due to illness or injury. With affordable premiums, this policy helps cover essential expenses, reducing financial stress during tough times. You can choose between short-term coverage (up to two years) or long-term protection (payments until retirement), with customisable options to fit your needs and budget.
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Why do I need Income Protection?Losing the ability to work can put a serious strain on your finances, making it difficult to cover essential expenses. Income Protection Insurance provides peace of mind by replacing lost income due to illness or injury, helping you maintain your standard of living with minimal disruption. It’s especially beneficial if you're self-employed, don’t receive full sick pay, or lack savings or other sources of income. Payments can help cover rent or mortgage costs, household bills, daily expenses, childcare, debt repayments, and even leisure activities, ensuring financial stability when you need it most.
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I get 3 months full sick pay from work. Do I still need Income Protection?Yes, income protection can still be valuable. Many policies allow you to delay payments until after your employer’s sick pay ends, meaning your cover kicks in just when you need it. If your illness or injury lasts longer than three months, your income protection can continue supporting you long after your sick pay stops.
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I have a pre-existing condition. Can I still get income protection?Yes, you can still apply for income protection, but the cover may vary. Some insurers may exclude pre-existing conditions, while others may offer cover at a slightly higher premium. It’s always worth speaking to an adviser who can help you find the best provider for your situation.
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What does Income Protection not cover?Income Protection Insurance is designed to cover loss of income due to illness or injury, but it does not provide coverage for certain situations. These include pre-existing conditions, unemployment, redundancy, self-inflicted injuries, or illnesses related to alcohol or drug abuse. It also does not act as life insurance, meaning it won’t provide payouts in the event of death. Understanding these exclusions ensures you choose the right coverage for your needs.
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How does Critical Illness Cover differ from Income Protection?Critical illness cover provides a one-off lump sum if you're diagnosed with a serious illness covered by your policy, such as cancer or a heart attack. In contrast, income protection pays out a regular monthly income if you're unable to work due to illness or injury. Income protection helps cover ongoing living expenses, whereas critical illness cover provides an upfront financial cushion. Many people choose to have both for comprehensive protection.
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How much does Income Protection cost?The cost of income protection depends on several factors, including your age, occupation, health, the level of cover you choose, and the waiting period before payments start. Policies can be tailored to fit different budgets, and we can help you find the best option at an affordable price. Get a free quote today to see what works for you.
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What if I stop working? Is my policy cancelled?If you stop working, your policy may no longer be valid since income protection is designed to replace lost earnings. However, some providers offer flexibility, such as pausing or adjusting your policy. If your circumstances change, it’s best to contact your insurer or adviser to discuss your options.
Living in the UK? Let's get you protected!
With access to a wide range of insurers, you'll be able to compare proposals and pick whichever is most suitable for your needs.
The benefit of using our service and one of our FCA regulated partners is they are very knowledgeable at finding the best deals regardless of your circumstances.
Don't wait, take our 60 second assessment and see how much your income protection would cost.
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Lifecoverfor.com is a trading name of Nesto Mortgages Ltd who are an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.
Where appropriate, Lifecoverfor.com may introduce you to a suitable partner that can help give you individual advice and match you to the right solution for your personal circumstances, we are paid a fee for the introduction. In this scenario, we act as the introducer and we process the information you provide us and we may pass this onto our trusted third parter brokers. Some of these brokers may not partner with the insurers listed on our website.
Nesto Mortgages Ltd is registered in England & Wales, Companies House no. 14964264. Head office: Grove Chambers, Basecamp, 36 Green Lane, Wilmslow, England, SK9 1LD. The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
*Over 50’s Life Protection Proceeds of these policies can be used for payment of, or towards, the cost of a funeral, following the death of the person who is insured. You could pay out more money in premiums than the policy pays out. This policy is not a savings plan and has no cash-in value. Due to inflation, any amount paid out may not buy as much in the future as it would now and may not cover the full cost of a funeral. If you stop paying premiums before age 90, the cover will end, and you won't be entitled to claim any money back.