Income Protection

Because Your Lifestyle Deserves Protection

Protecting your Income when life throws a curveball

No one likes to imagine being unable to work due to illness or injury – but it happens to thousands of people every year. Income protection is designed to replace a portion of your income if you can’t work for an extended period, helping you maintain your lifestyle and cover essential expenses.

At Mortgage Solutions Hub, we believe income protection isn’t just about money – it’s about peace of mind. It’s about knowing that if life changes unexpectedly, your mortgage, bills, and family commitments can still be met without stress, giving you the best opportunity to recover fully.

What is Income Protection?

Income protection is an insurance policy that pays a regular monthly benefit if you’re unable to work due to illness or injury.

Key features include:

Covers a portion of your income
usually up to around 65% of your earnings.
Ongoing support
payments continue until you can return to work, retire, or your policy term ends.
Flexible waiting periods
choose how long to wait before payments start, helping balance premiums with your savings or employer sick pay.

Tailored for the self-employed options available for contractors and non-salaried workers. Unlike critical illness cover, which pays a one-off lump sum for specific diagnoses, income protection provides regular financial support for any medical reason that prevents you from working.

Why consider Income Protection?

Even a short break from work can have a major financial impact, especially with ongoing bills, mortgage payments, or family expenses. Income protection ensures that if you can’t work, your income doesn’t just stop.

It helps you:

Keep up with mortgage and household bills
protecting your home and lifestyle.
Provide peace of mind
knowing your family’s finances are safe if illness or injury strikes.
Protect self-employed or freelance income
with flexible cover designed for variable earnings.
Tailor your plan
choosing waiting periods, benefit levels, and terms that fit your situation.

In short, income protection gives you the reassurance that life can keep moving – even if you temporarily can’t work.

Can anyone get Income Protection?

Income protection isn’t one-size-fits-all. Like life and critical illness cover, it’s usually subject to medical underwriting, which means insurers consider:

Your current health and medical history
Family medical background
Lifestyle factors (e.g. smoking, alcohol use, risky hobbies)
Your occupation and working environment

Not all insurers cover every job – some consider certain roles higher risk. But that doesn’t mean you can’t get cover; it just means we’ll help find the provider best suited to your circumstances. At Mortgage Solutions Hub, we work with a wide panel of insurers, including specialists who cover roles or situations that others might not. So even if you’ve been declined income protection before, there’s a good chance we can still help.

Additional Benefits you might not know about

Many income protection policies include extra features that make a real difference when you need support:

Partial payments for reduced work capacity
if you return to work part-time or on reduced hours, you can still receive a portion of your benefit.
Rehabilitation and recovery support
access to physiotherapy, occupational therapy, or retraining to help you get back to work.
Flexible payout structures
choose how long benefits are paid and how your policy adapts over time.

These extras mean income protection isn’t just a safety net it’s a practical tool to help you recover and regain control.