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Income protection that keeps you paid
If illness or injury stops you working, income protection pays you a regular tax-free monthly income until you recover, retire or the policy ends. It protects the thing your whole life is built on, your ability to earn.
50-65%
Of your income, paid tax-free
Your home, your bills and your family all depend on your income. Income protection is the cover that replaces a large part of that income if you cannot work because of illness or injury. Unlike a one-off payout, it pays a regular monthly amount for as long as you need it, within the limits of your policy. As independent, FCA-regulated advisers we compare the whole market, explain the choices in plain English and set the cover up around your job, your sick pay and your budget.
What income protection gives you
Income protection is built around your earnings. The headline figures below are maximums and depend on the cover you choose, the policy definition of incapacity and the waiting period you set.
A monthly tax-free income
You receive a regular monthly payment, typically around 50 to 65 percent of your gross income, paid free of income tax while you are unable to work.
Covers illness and injury
Cover applies to a wide range of conditions that stop you working, whether you fall seriously ill or are injured, at work or at home.
Mental health and back problems
Good policies pay for the most common reasons people are signed off work, including stress, depression and musculoskeletal problems such as back pain, where the criteria are met.
An own-occupation definition
The strongest cover pays out if you cannot do your own job. We aim to arrange an own-occupation definition so you are not expected to take any work just to lose your benefit.
Pays across multiple claims
Income protection is not a single-payout product. If you recover, return to work and are later signed off again, you can usually claim more than once during the life of the policy.
You choose your waiting period
You set the deferred period before payments start, commonly 4, 13, 26 or 52 weeks. A longer wait usually means a lower premium, so we line it up with any sick pay or savings you have.
A choice of payment term
You can choose full-term cover that can pay all the way to your chosen retirement age, or a cheaper short-term option that pays for a capped period of one, two or five years per claim.
How a claim works
You are signed off unable to work
You become too ill or injured to do your job and stop earning, with medical evidence to support that you cannot work.
You serve your chosen waiting period
Your deferred period runs first, for example 4, 13, 26 or 52 weeks. This is the gap you chose at the start before any payments begin.
Your monthly income is paid
Once the waiting period ends, the insurer pays your agreed monthly amount straight to you, free of income tax, to help cover your mortgage, bills and living costs.
It continues until you are back on your feet
Payments carry on until you return to work, reach retirement, the policy ends or, on a short-term plan, the capped payment period runs out, whichever comes first.
The key choices when setting up your cover
| Choice | Options | What it means |
|---|---|---|
| Waiting (deferred) period | 4, 13, 26 or 52 weeks | How long you wait before payments start. A longer wait costs less, so we match it to your sick pay or savings. |
| Definition of incapacity | Own occupation or any occupation | Own occupation pays if you cannot do your own job. Any occupation is cheaper but stricter, as it expects you to take other work. |
| Payment term | Full-term or short-term (budget) | Full-term can pay to retirement. Short-term caps each claim at 1, 2 or 5 years and costs less. |
Illustrative options as at June 2026, subject to change and to the insurer's terms.
Statutory Sick Pay leaves a big gap
If you are employed, Statutory Sick Pay is only around 123 pounds a week, and it lasts for up to 28 weeks at most. If you are self-employed you get even less, often nothing at all. For most households that is nowhere near enough to cover a mortgage and bills, which is exactly the gap income protection is designed to fill.
Why income protection matters
Protection that pays out
Insurers pay the overwhelming majority of protection claims. The most common reason a claim is declined is information left off the application, which is exactly what good advice helps you avoid.
Source: Association of British Insurers (ABI) protection claims data. Figures are illustrative industry averages and vary by insurer and year.
Insurers we compare
Whole of market, independent advice
We are not tied to any single insurer. We compare cover and price across the UK's leading protection providers to find the right fit for you and your family.
Authorised and regulated by the Financial Conduct Authority
Dariusz Karpowicz
Chief Executive Officer, Cert CII (MP)
Ilona Karpowicz
Protection Adviser
Speak to a real adviser, not a call centre
Your protection advice is handled personally by our advisers, with no pressure and no jargon. We explain your options in plain English, arrange the right cover and stay with you at claim time.
Authorised and regulated by the Financial Conduct Authority. FRN 769375.
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Albion Financial Advice is an independent intermediary, authorised and regulated by the Financial Conduct Authority (FCA). We advise on and arrange protection cover, we are not an insurer.
Prices are illustrative and depend on your circumstances. Cover is subject to the policy definition of incapacity, the chosen deferred period and exclusions. This is marketing information and not the full policy terms.