Income Protection
Income Protection Insurance in the UK
It's always there - that niggling concern over what happens if the money stops coming in. You can never rule it out - economies ebb and flow, markets fluctuate and what's needed today might not be needed tomorrow. How to cover for this? income protection is a key part of protection, designed to replace income, should you be unable to work due to ill health. That's where our team comes to help.
Call our team of specialist advisors to discuss income protection cover
For when you're not being paid but those bills still need to be covered
You've been prudent enough to recognise the concern - now take it a step further and book a FREE initial consultation with our team. We're qualified financial consultants and have access to literally thousands of policy options through numerous providers, so we're confident that we can isolate a suitable policy that meets your every need.
First, we listen to those needs and find out the permutations of your financial situation and your position. It may be that you're the breadwinner or that your partner has a considerable income flow of their own. Maybe you're in a position that necessitates a greater degree of physical risk than the average position. Whatever the situation, we'll undertake the necessary research and find a policy that works for you. Policies are normally payable until you go back to work or until you reach the age of retirement, whichever comes first, with the amount payable calculated as a percentage of your income. The policies we have access to are invariably affordable and any return is usually tax-free. The majority of illnesses and accidents are covered, and there are several schemes available even if an accident or illness leaves you with a disability. Contact us to discuss your needs.
We could find the most suitable insurance policy
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Rated 5/5 on Facebook and Yell
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No jargon-speak - we make sure that you understand what's involved
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Qualified team and we're regulated and authorised by the FCA
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Face-to-face and telephone appointments are available
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We handle the paperwork
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).
Why we prioritise your financial security
At John Earnshaw Independent Financial Advisers Ltd, we believe that providing excellent service means going above and beyond to protect what matters most to our clients across the UK. While many people initially come to us to discuss buy-to-let mortgages or residential property financing, we always emphasise that your ability to earn is your most valuable asset. With over 25 years in the mortgage sector, we have seen how vital a steady income is to maintaining a home. Our team uses this deep experience to ensure your lifestyle remains sustainable, providing you with high-quality advice that puts your needs first.
The benefit of independent and quality advice
We pride ourselves on offering a professional service that is directly tailored to your unique circumstances. Because we are fully independent, we have full access to mortgage lenders and insurance providers, giving us a free rein to deal with any company on your behalf. This allows us to recommend income protection insurance policies that offer the right deal for you. We are directly regulated and authorised by the Financial Conduct Authority, ensuring that the advice we provide is transparent, reliable, and focused on your best interests.
A responsive partner for your protection
When life takes an unexpected turn, you need a partner who puts the customer first. We act as your dedicated adviser throughout the life of your policy, not just at the point of sale. We ensure that your income protection is structured correctly from the outset—matching your "deferral period" to your savings and ensuring the definition of "incapacity" is favourable to your specific job role. With our experienced team by your side, you can feel confident that your financial foundation is solid.
