Protect you, your family and your home
Keep Your Income Flowing – Even If You Cannot Work
If illness or injury stopped you working tomorrow, how long could you cope financially?
Income protection insurance provides a regular monthly income if you are unable to work due to sickness or accident – helping you maintain your lifestyle and keep up with important commitments like your mortgage, bills, or childcare.
At Prime Mortgage Centre, we help you find the right policy to give you financial peace of mind when life doesn’t go to plan.
What Is Income Protection?
Income protection pays a monthly, tax-free income if you are signed off work by a medical professional due to illness or injury. The payments continue until:
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You return to work
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The policy ends (often retirement age)
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Or you reach a maximum claim period (e.g. 1, 2, or 5 years)
It typically replaces up to 60–70% of your gross salary, depending on the insurer.
Unlike critical illness cover, it doesn't require a specific diagnosis — as long as you are medically signed off and meet the policy terms, you can claim.
Why It is Worth Having
Statistically, you are far more likely to be off work long-term due to illness than to pass away early. Income protection helps you:
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Cover your mortgage and bills
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Avoid dipping into savings or credit
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Maintain your family’s lifestyle
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Focus on recovery without money worries
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Avoid benefit delays or limitations
In the UK, Statutory Sick Pay (SSP) is just £116.75 a week (as of 2025) — and only paid for 28 weeks. That is not enough for most households.
Who Should Consider It?
Income protection is especially valuable for:
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Self-employed people with no sick pay
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Employees with limited workplace benefits
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Homeowners who rely on one main income
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Parents or carers with financial responsibilities
Whether you are a sole trader, contractor, or PAYE worker, we’ll tailor the cover to suit your situation.
How We Help
At Prime Mortgage Centre, we’ll help you choose a policy that fits your needs and budget. We’ll explain:
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Deferred periods (how long before payments begin)
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Benefit levels and claim periods
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Definitions of incapacity (own job vs any job)
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Guaranteed vs reviewable premiums
We work with leading UK insurers to secure the best possible terms for your circumstances.
Protect Your Income, Protect Your Future
Your ability to earn is one of your biggest assets – so let us protect it properly. With straightforward advice and zero pressure, we will help you find income protection that works when you need it most.
Get in touch to talk through your options today.