Income Protection
Protect your income if illness or injury prevents you from working.
Income protection insurance provides financial support if you're unable to work due to illness or injury. Rather than facing the stress of lost income, this cover replaces a portion of your earnings so you can continue managing everyday expenses.
With income protection in place, you can maintain financial stability while focusing on recovery, knowing that regular payments help support your household during difficult times.
Unlike short-term sick pay, income protection can continue providing payments for extended periods depending on your policy.
How Does Income Protection Work?
Income protection policies typically cover between 50–70% of your pre-tax income if you are unable to work due to illness or injury. Payments begin after a deferred period, which is the waiting time before the policy starts paying benefits.
This waiting period can range from a few weeks to several months depending on the policy you choose.
Policies can pay benefits:
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For a fixed period (such as 1, 2 or 5 years)
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Until you are able to return to work
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Or in some cases, until retirement age
Choosing the right combination of coverage, deferred period, and payment duration is important to ensure your policy fits your financial needs.
Our advisers help tailor income protection policies so they provide the right balance between affordability and long-term protection.
Why Consider
Income Protection?
Unexpected illness or injury can interrupt your ability to work, which can quickly impact your financial stability. Income protection helps ensure your essential commitments remain manageable during periods when you're unable to earn.
At Astute, we guide you through the available options and help structure protection that fits your income, lifestyle, and long-term plans.
Consistent Financial Support
Income protection provides regular monthly payments when you're unable to work. This helps cover important expenses such as mortgage payments, household bills, and daily living costs.
Flexible Policy Options
Every situation is different. Policies can be customised based on your income level, preferred waiting period, and the length of time you'd like payments to continue.
Focus on Recovery
With financial support in place, you can focus on recovery rather than worrying about maintaining your income. This added reassurance can make a significant difference during challenging times.
Advice To Fit Your Situation
Income protection policies can vary significantly depending on your income level, occupation, and financial responsibilities. At Astute, we help you navigate these options clearly and confidently.
Our advisers work with a range of trusted insurers to identify policies that provide reliable protection while remaining affordable.
We take the time to understand your circumstances so that your cover reflects your lifestyle, career, and long-term financial goals.
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Secure Your Income
Your income supports your home, your family, and your future plans. Income protection helps ensure that if the unexpected happens, your financial commitments remain manageable.
