Our Expertise
Income Protection
Income protection is designed to pay a regular benefit if illness or injury prevents you from working, usually after an agreed waiting period.
Overview
What is income protection?
Income protection pays a monthly benefit if you are unable to work due to illness or injury. Payments usually begin after a deferred period that you choose, and continue until you return to work, the policy ends, or the benefit period expires.
Because it targets the ability to keep paying regular commitments, it is often the most directly relevant cover for households with a mortgage and limited sick pay arrangements.
Who might this be suitable for?
- Self employed clients with no employer sick pay
- Employees with limited sick pay entitlement
- Households where the mortgage depends on one income
- Clients who want cover for a broad range of conditions
How Help to Lend can help
- 01We check your employer sick pay before deciding on a deferred period.
- 02We explain the difference between own occupation, suited occupation and activities of daily work definitions.
- 03We balance benefit level, deferred period and budget.
- 04We review cover if your income or mortgage changes.
Assessment
What may lenders and providers consider?
Deferred period
A longer wait before benefit starts usually reduces the premium.
Occupation definition
Own occupation cover is generally the broadest definition available.
Benefit limits
Insurers cap benefit as a proportion of earnings, so full income replacement is not typically available.
Short or full term
Some policies pay for a limited period per claim; others pay until recovery or the end of the term.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
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