Income Protection
Replace your income if illness or injury prevents you from working.
Income protection insurance replaces a portion of your income if you are unable to work due to illness or injury. Unlike short-term sick pay, a good income protection policy can pay out until you return to work or reach retirement age — providing genuine long-term financial security.
What is Income Protection?
Income protection pays a regular monthly benefit (typically 50–70% of your pre-illness income) if you are unable to work due to illness or injury. It continues to pay until you recover and return to work, or until the end of the policy term. It is one of the most important but underused protection products available.
Who is it suitable for?
Key Benefits
Example Scenarios
Self-employed consultant
A self-employed IT consultant suffers a back injury and cannot work for 18 months. His income protection policy pays 60% of his pre-illness income throughout, covering his mortgage and living costs.
Employee with limited sick pay
An employee receives only 3 months' full sick pay from her employer. Her income protection policy kicks in after 13 weeks, ensuring she continues to receive an income throughout her recovery.
Long-term illness
A 45-year-old is diagnosed with a condition that prevents her from working permanently. Her income protection policy pays out until her planned retirement age of 65 — providing 20 years of financial security.
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Why Choose JK Insurance Brokers?
- Whole-of-market access
- FCA authorised & regulated
- No broker fees
- Business protection specialists
- Personal, one-to-one service
- UK-wide advice