Protection

Protect What Matters Most: Income Protection

Your income is the backbone of your financial stability, and if illness or injury stops you from working, it can put a lot of pressure on you and your family. Income protection insurance provides a safety net by replacing a portion of your earnings if you’re unable to work, helping you stay on top of your bills and maintain your lifestyle while you recover.

Your income is what pays for everything in your life, your home, your bills, and your family’s security. Income protection is designed to pay you a regular monthly benefit if you are unable to work due to illness or injury, helping you maintain financial stability while you recover.

Unlike other types of cover, income protection can support you for a wide range of medical conditions and can continue paying out for as long as the policy allows, depending on how it is set up. It is one of the most valuable forms of protection, yet one of the most commonly overlooked.

Income protection is not one-size-fits-all. The right policy is tailored to your occupation, income, and priorities, including how much of your income is covered, how long payments last, and how quickly they begin. I work with trusted insurers to explain your options clearly and help you put cover in place that is appropriate, affordable, and designed to protect your lifestyle and long-term financial security.

1. What is Income Protection Insurance?

Income Protection pays you a regular income if you can’t work due to illness or injury. It helps cover your essential costs while you recover.

2. Who is Income Protection designed for?

Anyone who relies on their income — employees, contractors, or the self-employed — can benefit from having a financial safety net in place.

3. How does Income Protection work?

If you’re unable to work, your policy pays out a monthly income after a chosen waiting period. Payments continue until you return to work, retire, or reach the end of the policy term.

4. How much does Income Protection cost?

The cost depends on factors such as your age, health, occupation, lifestyle, and the level of cover you choose. We can help you compare options to find affordable protection.

5. What affects the price of Income Protection?

Your age, medical history, job type, lifestyle habits, and how quickly you want payments to start can all influence the premium.

6. Can self-employed people get Income Protection?

Yes. Income Protection can be especially valuable for the self-employed, as it replaces lost income when you’re unable to work and don’t have employer sick pay to rely on.

Traditional Life Insurance

Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.

Income Protection

Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.

Relevant Life

Relevant life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.

Key Person Insurance

Key Person Insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.

Building and Contents Insurance

Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.

Shareholder Protection

Shareholder Protection ensures that if a business owner dies or is diagnosed with a critical illness, their shares are dealt with smoothly and fairly — protecting both the business and the remaining shareholders.


Executive Income Protection

Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.

The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery,

Shareholder Protection

Shareholder Protection ensures that if a business owner dies or is diagnosed with a critical illness, their shares are dealt with smoothly and fairly — protecting both the business and the remaining shareholders.


Executive Income Protection

Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.

The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery,

Easily Navigate Your Mortgage & Cover

I specialise in providing clear, reliable mortgage and protection advice to make your financial journey easier. With expert guidance and recommendations tailored to you, I’ll help you secure the right mortgage, protect what matters most, and make confident long-term decisions.

Sayers Financial Services 625119, is an Appointed Representative of New Leaf Distribution Ltd 460421, which is authorised and regulated by the Financial Conduct Authority (FCA No. 460421). Registered address: Garfield House, 165-167 High St, Rayleigh SS6 7QA. Your home may be repossessed if you do not keep up with repayments on your mortgage. Buy-to-Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

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