Finding the right income protection advisers to guide you through property finance is crucial. That’s why it’s important to due your due-diligence. This helps lay the foundation for a strong, trust-based relationship. A professional who understands your goals is more likely to help you secure the right protection.
Understand Why Income Protection Matters – Essential When You Find income protection advisers
Before choosing a mortgage, you must also consider how you would cope if you couldn’t work. That’s where income protection insurance comes in. It pays out a regular monthly income if you fall ill or suffer an injury and can’t work. This type of cover is especially valuable for those without employer sick pay or strong savings. It ensures you can still meet financial commitments, including mortgage payments, even during long-term illness. For example, someone earning £3,000 per month might receive around £2,000 in monthly benefit while off work, depending on their policy terms.
Policies vary, but many include a deferred period. This is the time between when you stop working and when the payments begin. The longer the deferral, the lower the premiums. Most policies will pay out until you can return to work, reach retirement, or the policy ends. According to the Association of British Insurers, over 90% of income protection claims were paid in 2023, showing the reliability of such cover
The Role of Life Insurance Advisers
Income protection advisers help clients maintain financial stability if illness or injury prevents them from working. These advisers assess income risk and recommend protection that ensures monthly bills can still be paid.
Understanding the client’s employment status, income level and existing benefits is essential. Advisers use this information to determine whether income protection is suitable and which policy best meets the client’s needs.
Some clients may assume savings or statutory sick pay is enough. Advisers help explain the limits of these and how income protection replaces a percentage of earnings until the client returns to work or the policy ends.
A good adviser ensures the cover amount, benefit term, and deferred period are tailored to the client’s job type and financial commitments. This includes reviewing mortgage, rent, utilities, and family living expenses to calculate what needs to be covered.
When policies are discussed alongside mortgage advice, it is important the adviser documents the recommendation fully. All advice must meet Consumer Duty expectations and be suitable, affordable, and in the client’s best interests.
The adviser must complete a clear fact-find and provide a suitability report explaining why the product was chosen. This helps the client understand the value of the cover and keeps a proper audit trail for regulatory purposes.
Income protection is not just for the self-employed. Employed clients with limited sick pay can benefit too. Advisers explain what income protection covers, how it complements existing benefits, and the peace of mind it can offer.
Why Advice from an Income Protection Adviser Matters Now More Than Ever
In today’s world, it is tempting to use online tools that offer “quick quotes” for income protection. These tools appear easy and fast—but they often fall short. They don’t ask the right questions, don’t account for your work situation or income structure, and rarely explain the full terms. Most importantly, they do not highlight what could stop a policy from paying out.
Did you know?
Policies bought without advice are more likely to fail at claim stage. This is often due to incorrect disclosures or unrecognised exclusions.
This is why the Financial Conduct Authority (FCA) requires advisers to meet high standards. An authorised Income Protection Adviser must:
Complete a thorough fact-find to understand your personal, health and employment situation.
Recommend suitable cover that fits your specific needs and budget.
Explain how and why the policy works for you—including its exclusions and how claims are assessed.
Income protection is about more than finding a low premium. It is about making sure your income is covered when illness or injury stops you working. And that the policy will actually pay out.
Did you know?
Income protection advice can reduce claim rejection rates. When you receive guidance from a qualified adviser, the application is more accurate and better tailored to your situation. This increases the chances of a successful claim.
Did you know?
Around one in five claims are delayed or rejected because of errors at the application stage. Many of these policies were bought without advice. Getting the right help first time makes all the difference.
What You Risk Without Specialist Advice
Comparison websites and online quote tools provide prices, not protection. They rarely explain important details such as:
Deferred periods
Own occupation versus any occupation definitions
Benefit limits linked to earnings
How changes in your employment status affect claims
These can significantly impact whether your policy pays out—and how much.
Did you know?
Some providers reduce benefits or refuse to pay if your earnings have changed since your policy started. An adviser helps you avoid these pitfalls.
Why Income Protection Is So Important
For many, income protection is the one policy that helps maintain your financial stability during ill health. It helps pay bills, rent or mortgage payments, and protects your long-term goals.
But it only works if the policy is right for you—and that means getting expert advice from someone trained to ask the right questions and recommend the right options.
Did you know?
Not all income protection policies are the same. Some pay for only one or two years. Others pay until retirement age. A specialist adviser helps you choose the right type.
What a Good Income Protection Adviser Will Do
A qualified adviser will:
Review your job type, salary structure and any benefits from your employer
Explain how the policy would work if you became ill or injured
Discuss the right level of cover and the best deferred period
Ensure you understand the full terms, including any exclusions
Provide documents showing why their recommendation is suitable
Did you know?
A deferred period affects how soon you receive payments after making a claim. Get it wrong, and you might be waiting months for support.
Why Work With Us | Income Protection Advisers
At Income Protection Advisers, we provide clear and accurate guidance. We help you understand your options and secure the cover that fits your life.
Our advisers access policies from a wide panel of UK insurers. We recommend the most suitable income protection plans based on your employment, budget, and health.
Income protection insurance pays out a monthly income if you’re off work due to illness or injury. It’s designed to replace lost earnings and help cover essential bills.
We also offer support in selecting other protection plans when required. These can include life cover or critical illness—but income protection is often the most valuable for long-term financial stability.
You can get advice solely on income protection or include it in a broader financial plan. We tailor our approach to suit your needs.
What Makes Us Different
End-to-End Help
We handle the full process—from your application through to managing paperwork. Our admin team ensures forms are correct, documents are sent, and follow-ups are done.
Free Regular Reviews
Every few years, we review your policy free of charge. This check makes sure the cover still fits your lifestyle, such as job changes or new responsibilities.
We’ll confirm if:
Your monthly benefit is still suitable
Your deferred period still matches your employer’s sick pay
The plan remains cost-effective in the current market
One of our advisers will guide you throughout, answering questions clearly.
Did You Know?
Over 90% of income protection claims are paid out—one of the highest rates among protection products.
Unlike life or critical illness cover, income protection pays monthly. This helps many families meet mortgage payments or rent during sickness.
Some income protection plans now include added extras such as:
24/7 GP services
Mental health and counselling access
Physio support for musculoskeletal issues
Discounts on gyms and wellness services
Why Other Options May Not Be Enough
Some advisers only focus on life or critical illness policies. These may overlook income protection altogether. This can leave clients exposed if illness stops them working.
A redundancy payout or employer sick pay may not last long. Statutory Sick Pay is just £116.75 per week (as of 2024).
Without proper advice, people often buy plans that are too short, too basic, or don’t pay when needed.
