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Protection

Income Protection

A replacement income if illness or injury stops you working.

Independent advice on income protection, so a drop in health does not become a drop in income. We compare the market to find cover that suits your job and your budget.

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Income Protection

Income Protection Advice

Your ability to earn is probably your most valuable asset, yet it is the one people most often leave unprotected. Income protection pays you a regular, tax-free income if you cannot work because of illness or injury, helping you keep up with the mortgage, the bills and daily life while you recover.

As independent advisers, we compare policies across the market and explain the features that really matter, such as how quickly cover starts to pay and how long it lasts.

What to Consider

  • How long you could manage on savings or sick pay before cover is needed.
  • How much of your income you want to replace.
  • How long the policy should keep paying.
  • How your occupation is defined, which affects when a claim is paid.

Cover That Suits Your Work

The right policy depends on your job, your finances and your employer’s arrangements. We take time to understand these and recommend cover that genuinely fits. Your first conversation is free and without obligation.

Cover is subject to the terms, conditions and exclusions of the policy, including any deferred period.
Why Affinity

Why Choose Affinity

Whole of Market

We compare income protection across the market to find suitable cover at a fair price.

The Detail That Matters

We explain deferred periods, payment terms and occupation definitions in plain English.

Advice, Not Sales

We recommend cover that suits your work and your budget, nothing more.

A Named Adviser

One person who understands your situation and is there if you claim.

Good to Know

Income Protection Questions

How much of my income can I cover?+
Policies typically replace a proportion of your earnings rather than all of it, often around half to two-thirds. We will explain the limits and help you choose a sensible level.
When does the cover start paying?+
That is set by the deferred period you choose, from a few weeks to several months. A longer wait usually means a lower premium, and we help you balance the two.
Does it cover me if I cannot do my own job?+
It depends on the occupation definition in the policy. We look for cover based on your own occupation where suitable, which is generally the strongest form.
Is the income taxed?+
Payments from a personal income protection policy are usually paid tax-free. We will confirm how this applies to your circumstances.
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Protect Your Income

Tell us about your work and one of our advisers will come back to you, usually within a working day.

Speak to an Adviser