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Income Protection - What is it?

Income Protection is an insurance policy designed to pay out a regular income in the event you are unable to work due to an accident or illness. This type of cover will continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age). 

The policy can act as a valuable safety net should unforeseen illness or injury happen - providing you with a regular income to pay your monthly mortgage payment, bills, living expenses and other financial commitments.

Who is it for?

Income Protection is designed to cover anyone who is working - whether you are full time, part time, employed or self-employed. For the self employed, who will receive no sick pay at all in the event they are unable to work, this can be essential. For those in full time employment your sick pay can vary, dependent on your employer, between no sick pay at all and up to twelve months full pay, so additional protection can also be essential.

Income Protection plans can be adapted to fit in with any existing protection you might have. As impartial Financial Advisors, Personal Mortgage Solutions can give you completely impartial advice and expert guidance on which policies may be suitable for you, as well as ensuring that any policy you set up is of course suited to your budget.

Personal Mortgage Solutions can provide the professional help you need to find the best Income Protection plan for your needs. For friendly, expert advice simply call 0800 345 7075 or email info@personalmortgagesolutions.co.uk


As with all insurance policies, conditions and exclusions will apply.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Typically we charge a fee of £995 for arrangement of your mortgage, however the actual fee will depend on your circumstances and will not exceed 3% of the mortgage amount. The fees may be waived subject to the terms of the fee waiver agreement.

Personal Mortgage Solutions Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 618512.

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