Cover Your Income When Life Throws a Curveball
Income protection pays you a regular monthly amount if you can’t work due to illness or injury — helping you stay on top of bills without the stress.
Be Prepared
What is Income Protection Insurance?
Income protection is an insurance policy that replaces part of your income if you’re unable to work for medical reasons.
It pays out a tax-free monthly amount (usually up to 60–70% of your salary) until you’re well enough to return, your policy ends, or you retire — whichever comes first.
This cover gives you breathing room to focus on recovery, without worrying about how to keep up with your mortgage or day-to-day costs.
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester
Find the Right Cover for Your Job
Not all policies suit every profession — we’ll match your occupation with a policy that actually pays when it matters.
Flexible Policy Options
We’ll explain terms like deferred periods, benefit caps, and policy length — helping you build cover around your real-life needs.
Compare Top Providers
We have access to the UK’s most trusted insurers — ensuring you get great value, strong terms, and reliable claims handling.
Support Through Claims
If the worst happens, we’ll guide you through the claims process and stay in your corner from start to finish.
Benefits of Using a Broker for Income Protection
Be Prepared
Things to Consider With Income Protection
Decreasing vs Level Cover
Most choose decreasing cover to match a repayment mortgage — but we’ll explain both and help you decide.
Single or Joint Policy
If you share a mortgage, you can take out a joint policy — we’ll talk through the pros and cons.
Policy Length
Your cover should run for the full mortgage term. We’ll make sure it aligns with your current deal (and any future changes).
Adding Extras
From critical illness to waiver of premium — we’ll break down optional add-ons and whether they’re worth including.
Health and Lifestyle
Your premium will reflect things like age, health, and smoking status. We’ll walk you through every question with clarity and care.
FAQs
How much income can I protect?
Usually up to 60–70% of your gross income. We’ll work this out together based on your earnings and what cover you actually need.
How soon will it pay out?
This depends on your deferred period — often 4, 8, or 13 weeks. We’ll align it with your savings or employer sick pay.
Is income protection worth it if I’m healthy?
Yes — illness and injury can happen to anyone. Covering your income now means peace of mind, whatever the future holds.
Will the premiums go up over time?
That depends on the type of policy. We’ll walk you through level, increasing, and reviewable options — so you’re fully informed.
Who provides the advice?
All income protection advice is referred to a regulated adviser, who’ll help you get suitable, compliant cover.
First Time Buyer
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.
Remortgage
Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.
Self Employed
We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.
Buy To Let
From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.
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Book Your Call
Ready to make your Next Move?
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester