How would you pay your bills if your income stopped?

For most the loss of their monthly income would be fatal for their finances and would immediately result in severe financial hardship. Once your sick pay at work ends you're effectively on your own!

Even if you had some savings, these would be quickly eaten up by being used to cover your monthly outgoings. 

At Your Income Covered, we can help you put in place Income Protection which is designed to replace your income if you're unable to work due to sickness, accident, or disability. 


If you're employed your sick pay likely only runs for a few months and if you're self-employed you have no sick pay at all! So if your income stopped things will become tough really quickly. 


Without your income covered or very significant savings behind you, if something goes wrong you could end up behind on your bills, mortgage or rent arrears with your home at risk and even potentially not able to put food on the table!


The good news is often only at the price of a cup of coffee you can protect your monthly income.

Why wouldn't you protect your income?


The biggest question to ask yourself is once your sick pay at work ends (which it will after only a few months typically) how would you survive with no income?


If you don’t have a solid answer this type of plan is something you should be considering.


Income Protection can cover you if you can’t perform your own occupation due to sickness, accident or disability and has the potential to pay out to you for many years if something was to go really wrong.

Income Protection is essentially putting in place your own long-term sick pay arrangement, these are very significant and comprehensive insurance plans that can potentially cover your income right up until your 70th birthday.


Income Protection provides the peace of mind that you will continue to receive a monthly income until you are ready and able to return to work. 


Based on 25 reviews
Pat Traynor
Pat Traynor
Paul was very helpful in sourcing the best equity release deal at a time of sudden increases in interest rates. He kept me Informed during the process and was always available to answer questions. I raised the money to help my daughter buy a bigger flat.
Tim Whitcher
Tim Whitcher
Very professional and personable, Paul always had the time to ensure that we understood everything and that we got the best deal possible that was right for us.
Cally Bravington-Smith
Cally Bravington-Smith
Paul has been exceptional during the course of this year helping us buy our next property, his support and guidance through a lengthy and tricky transaction was second to none. Paul is very personable, and unlike many other brokers would work outside the normal 9-5. Always had our best interests in the forefront. Highly recommend :-)
Charlotte Faucher
Charlotte Faucher
Benefiting from Paul's expertise to help us secure our first mortgage was very precious. Paul was always available to answer any query we had, and he submitted our application very quickly once we had gathered our documentation. I've already recommended the company's services to friends!
Louisa Smurthwaite
Louisa Smurthwaite
Paul helped me find a new mortgage. His knowledge was invaluable. Adding to this, he was extremely patient with me while we navigated some complex decisions. Thanks Paul, amazing service!
Sinead Ennis
Sinead Ennis
The whole process of getting the right mortgage was made easy, with continued support all the way through. Highly recommended.
Daniel Lee
Daniel Lee
My girlfriend and I are buying our first home and Paul has been absolutely fantastic every step of the way. He’s knowledgable, friendly and very approachable, regardless of the time of day, even replying to emails at gone 9 o’clock at night! Would definately recommend and will definately be using in the future!
Chris Healy
Chris Healy
Paul has been incredibly helpful and informative every step of the process of me owning a property, as a first time buyer there was I lot I didn't know and he's really gone the extra mile for me.
Paul Ho
Paul Ho
Paul's dedication, expertise and attention to detail was instrumental in securing the deal for my house purchase. In my opinion his fees was money very well spent, and would recommend him without hesitation.
Panos Savvas
Panos Savvas
Paul worked with me and my wife to find the right mortgage and insurances needed for our new home. He's is very knowledgeable and professional. I never felt rushed or uniformed. He really went out of his way to ensure we had all the information we needed and guided us through the process. Beyond that Paul went above and beyond in working with our conveyancer and the estate agent to assist in our exchange and completion. I would not hesitate to recommend him or use him again in the future.

How does income protection benefit work?

Payable tax-free rate at an amount up to 60%-65% of your gross income.

  • You can still maintain your standard of living until you can return to work when you're feeling better.
  • You don't need to dip into your savings.

You are covered if you're employed or self-employed.

  • The benefit pays out after your current sick pay ends.
  • It will then continue to pay out while you're signed off work by your doctor.
  • It will only stop paying out if you reach the end of the cover term or retirement age whichever occurs first.

Protecting your mortgage and essential bill payments.

  • It is important to make sure you have the means to pay your mortgage, utility bills, council tax, and food bills if you are unable to work.
  • Protecting yourself from falling into arrears, default, severe financial difficulties and by extension protecting your credit score.

What are some of the options with your income protection benefit?

Full-term cover

With a plan that pays you for as long as you need—until you go back to work, retire, or your policy ends. For complete peace of mind that you’d always have money coming in.

Short-term cover

Pays out for a set duration (1, 2 or 5 years).

Cheaper than full-term cover, but bear in mind it stops paying after that time – even if you are still unable to return to work.

The waiting period

It is important to consider the waiting period of any policy you are considering - the longer the waiting period, the more you may be able to save on premiums.

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Contact Us Income protection
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People claim for a variety of reasons.


Income protection cover offers you a monthly income if you're unable to work due to sickness, accident or disability and are signed off work by your GP.

Common conditions claimed for include:

Musculoskeletal injuries or conditions: Like broken bones or back pain.

Mental health conditions: Like stress, anxiety or depression.

Other serious illnesses: Like cancer, heart attack or stroke.

Why choose us


✅Access to all the top insurers - Comprehensive range of options!


✅Exclusive rates - not available on the high street special deals!


✅Insurer relationships - Existing medical issues? We can help!


✅We structure a completely bespoke protection package to suit your needs!


✅We will provide advice on the most suitable package to put in place as you fall under our duty of care. 


Your Income Covered is a trading style of Your Property Financial Ltd (FCA Number:942504) which is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.
 Your Property Financial Ltd. Registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. 
Download our Free Brochure today and Find out how you can protect your income!