Income Protection Insurance | Protect Your Income and Secure Your Mortgage Future!
If illness or injury left you unable to work, how long could you maintain your mortgage payments or meet daily expenses? Income protection insurance from Connect Mortgages UK is designed to provide peace of mind. Whether you’re employed or self-employed, this tailored cover replaces a portion of your income every month when you’re too unwell to earn, helping you stay financially afloat without dipping into savings or credit.
At Connect Mortgages, we’ve been supporting clients across the UK since 1998 with FCA-regulated, fully tailored, and easy-to-understand mortgage and protection solutions.
What Is Income Protection Insurance?
Income protection is a long-term insurance policy that pays out a regular monthly income if you become unable to work due to an accident or illness. Unlike critical illness insurance, which provides a one-off lump sum, income protection covers ongoing financial needs, helping with mortgage payments, utility bills, and everyday costs while you recover.
You choose how much cover you need, how long payments last, and how soon after becoming unable to work your cover kicks in. It’s flexible and designed to fit your circumstances, especially if you’re a self-employed professional or have a variable income.
For extra clarity, explore how mortgage protection insurance compares with income protection.
Who Should Consider Income Protection?
- Self-Employed Individuals: Without sick pay, your earnings stop immediately if you can’t work. Income protection fills the gap.
- Employed Workers: Even if your employer offers sick pay, income protection can extend your cover once statutory pay ends.
- Homeowners with Mortgages: Income protection can help maintain regular mortgage payments and avoid financial strain.
- Families with One Income: If you’re the primary earner, income protection supports your household during unexpected illness or injury.
Explore how we help self-employed mortgage applicants protect their future with tailored advice.
Key Benefits of Income Protection Insurance
- Monthly payouts up to a set percentage of your salary or net income
- Covers a wide range of illnesses and injuries, including mental health conditions
- You choose your deferment period and benefit duration
- Tax-free payments under current UK tax laws
- Flexible cover for freelancers, directors, and contractors
Speak with a specialist adviser to understand how cover levels affect your premium, especially if you already have some form of life or mortgage cover.
Why Choose Connect Mortgages for Income Protection?
- Independent Protection Advice: We search a wide range of providers to find the most appropriate policy for your needs.
- Fully FCA-regulated: Our recommendations are compliant and tailored to your individual affordability and protection needs.
- Free Initial Consultation: No upfront broker fees. Just clear, tailored advice from our experienced team.
- Ongoing Support: We’re here to help at every stage from policy setup to claim assistance.
Our team is also trained to ensure all advice complies with mortgage protection regulations and aligns with your wider financial objectives. That means you’ll never be over-insured or under-informed.
How Much Does Income Protection Cost?
Premiums vary based on age, health, occupation, smoking status, and the policy term. You can choose from budget-friendly plans with longer deferment periods or comprehensive plans that pay out until retirement.
Use our free protection calculator to estimate costs, or request a quote tailored to your circumstances.
Start Protecting Your Income Today
No one plans to fall ill or get injured. But having income protection in place means you don’t have to worry about your finances if the unexpected happens. At Connect Mortgages, we’ll help you choose a policy that fits your budget, lifestyle, and long-term goals.
Ready to take control of your financial safety net? Speak to a mortgage and protection adviser now.
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