Speak to an adviser now 0330 043 0327 Mon–Fri 9am–5pm
Income Protection Explained

Income Protection NI

Income Protection Explained

Income Protection is designed to replace a portion of your income if you’re unable to work due to illness or injury. It helps you continue paying your bills and maintaining your lifestyle when your regular income stops.

Get an Agreement in Principle How much can I borrow?

What is Income Protection?

Income Protection is a policy that pays a regular monthly income if you’re unable to work because of illness or injury.

Instead of a lump sum, it provides ongoing payments designed to help you keep up with essential outgoings such as your mortgage, rent, household bills, and day-to-day living costs.

Cover can continue until you return to work, retire, or the policy term ends — depending on how the policy is set up.

Next steps

Move your mortgage journey forward

Choose the option that best matches where you are today. You can switch paths at any time.

Decision in Principle

Ready to get serious? Start your Agreement in Principle online with no impact on your credit score.

Start your AIP online
Richard Aston, Mortgage Adviser

Written by Richard Aston · Mortgage Adviser

Published: 18th Dec 2025 · 1 min read

What does Income Protection usually cover?

Income Protection typically covers a wide range of illnesses and injuries that prevent you from doing your job.

  • Long-term illness
  • Serious injury
  • Mental health conditions (such as stress, anxiety, or depression, subject to policy terms)
  • Chronic conditions that affect your ability to work

Most policies pay out a percentage of your income (often up to 50–65%) to ensure there is still an incentive to return to work when you’re able.

Unlike some other types of protection, Income Protection does not cover redundancy and only pays out when you are medically unable to work.