We’d love to hear from you.
What would you do if your income stopped and you couldn’t afford to pay your mortgage and other bills? And how long could you manage if you were forced to ‘get by’ on just your savings? Income protection has been designed to step in to help, by providing you with a replacement income if your normal income is interrupted through ill health or injury.
Where you are ill or injured, and as a result, your income through employment or your normal route stops. If Houseperson’s cover is included, it will pay out upon illness or injury, irrespective of any income stopping. It is designed to replace most of your net income.
An income protection policy is designed to replace most of your net income if your income suddenly stops. You simply decide how much income you need, and then pay a monthly premium. You can arrange cover to last for an agreed number of years (for example the full term of your mortgage) or until you reach a certain age, like retirement. If you have to make a claim on the policy, you will receive a tax-free monthly payment, usually after an agreed deferral period before payments start. Those payments will then continue until you either return to work, retire, or die.
At Mortgage Options, we offer straight-talking advice that covers both the mortgage and protection market. Our expert advisers understand the importance of having good quality insurance in place, we select policies from a panel of UK insurers, and we will assess your personal circumstances before recommending the right policy to suit your needs.
It makes sense to protect what you have, especially when it comes to your home. Talk to one of our advisers about income protection today.
Call us now on 0800 028 4040: it’s free from a mobile or landline.
Mortgage Options is a trading style of Mortgage Options (Partnership Division) Ltd who are an appointed representative of Quilter Mortgage Planning Limited, which is authorised and regulated by the Financial Conduct Authority. Quilter Mortgage Planning Limited are entered on the FCA register (https://register.fca.org.uk/s) under reference 440718.
The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Registered office: 4 Finkin Street, Grantham, Lincolnshire NG31 6QZ. Registered in England and Wales, Company Number 7352047.
Approver Quilter Financial Services Limited and Quilter Mortgage Planning Limited July 2025
Powered by Content Streams
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
Neither Mortgage Options Nor Quilter Financial Planning are responsible for the accuracy of the information contained within the linked site.
