Income protection insurance is a secure way to ensure that if you become sick or are injured, you would be able to pay the bills and support your family. When you become sick and have to put your current employment on hold, the pay you receive will cover your expenses and offer you financial security until you either go back to work, you retire, or your policy ends. The income protection policies available to us are affordable, and your premiums are collected in a simple monthly payment. The money you would receive in the case of loss of income due to illness or an accident is usually provided to you in the form of a tax-free payment, and you can use it to help you whilst you recover.

Income protection plans that have no investment link have no cash in value at any time and will cease at the end of the term. If you stop paying premiums your cover may end.

Tax treatment is based on individual circumstances and may be subject to change in the future. The Financial Conduct Authority does not regulate tax planning.


Covering almost all illnesses and accidents that prevent you from working, we have access to a wide range of insurance schemes that cover you even if you are made disabled. You are covered for multiple instances, so if you have already claimed this does not stop you from claiming again. Income protection differs from critical illness insurance in the way that you do not receive a lump sum, you receive a monthly sum that acts as an alternative to your wage.


Our financial advisers are here to assess your current situation and find the best possible insurance package for you. With many products available to support you when you are left in a weak financial position, you can rest assured that you and your family will be able to keep up with the bills when you cannot work.

There are generally limits on the level of benefits that can be claimed under Individual Protection Insurance plans, usually in the region of 50-60% of the last year of earning before a claim – less deductions for the basic level of employment and support allowance (ESA).


Here at Options Mortgage Centre, our financial advisers can provide many options to keep your income protected in the case of illness or an accident. For income protection insurance, call us today on 01253 294480.