Many working professionals assume their employer’s sick pay will support them through a long-term illness, only to discover it runs out after just a few weeks or months. As independent insurance brokers based in Coventry, we help workers across the Midlands secure a tax-free monthly income if they are written off work by a doctor. You can speak with an income protection specialist today to see how easy it is to safeguard your salary.

Income protection insurance is designed to replace part of your income if you’re unable to work due to accident, illness, or injury. It pays you a regular, tax-free monthly income to help with essential outgoings, such as your mortgage, rent, bills, food, and family expenses, until you’re fit to return or the policy ends.

Unlike critical illness cover, which pays out a one-off lump sum for specific serious conditions, income protection supports you day to day during short- or long-term absence from work, no matter the cause.

Life insurance

Pays a lump sum or monthly income if you pass away during the policy term. This can be used to repay a mortgage, cover everyday living costs, or secure your family’s future.

Critical illness cover

Pays out if you’re diagnosed with a serious illness (like cancer, stroke or heart attack) that meets the policy’s criteria. It helps cover lost income, treatment costs, or family needs while you recover.

Income protection

Provides a monthly income if you can’t work due to illness or injury. It helps your household stay afloat while you focus on getting better.

Family income benefit

Rather than a lump sum, this provides a regular income to your family if you pass away, similar to a salary, continuing for a set number of years. Ideal for families with young children.

No one expects to become unwell, but the truth is, you're far more likely to be off work due to illness or injury than to pass away during your working life.

Income protection offers peace of mind by:

Helping maintain your lifestyle if your salary suddenly stops
Reducing reliance on savings, credit cards or family support
Protecting your mortgage and household bills
Providing financial stability during periods of recovery or treatment
Supporting self-employed individuals who don’t get sick pay

For many, it’s the missing link in their protection planning, and one of the most valuable types of cover available.

You’re well enough to return to work

The benefit period ends (e.g. 1 year, 2 years, or full-term cover)

The policy term expires (often aligned with your retirement age)

To be eligible for income protection insurance, you usually need to:

Be employed or self-employed (with a consistent income history)
Be aged 18–59 at the time of application (varies by insurer)
Provide proof of income (e.g. payslips, accounts, tax returns)
Disclose any pre-existing medical conditions honestly and accurately

Some exclusions may apply, such as for existing health issues or risky occupations, but we can help find policies suited to your situation.

Income Protection pays out monthly and covers a wide range of illnesses or injuries (not just critical ones)

Critical Illness Cover pays out once, only for specific conditions

Life Insurance pays out after death to protect your family or mortgage

With so many policies, terms and variations, it’s easy to choose the wrong cover or miss out altogether. That’s where we come in.

At Jigsaw, we:

Take time to understand your job, lifestyle, and financial priorities
Compare a wide range of insurers to find the best-fit policy for you
Explain everything clearly, from deferred periods to exclusions
Help you balance affordability with meaningful protection
Handle the paperwork and guide you through the whole process

We treat your protection like we would our own, with care, accuracy and a focus on real value.

How can we help you?

Know your budget

Get a quick estimate of your buying power based on your income and budget.

Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

Find out what you can afford in minutes

Get clarity before you start house hunting

Understanding what you can realistically afford is the first step towards a stress-free home-buying journey. Our affordability tool gives you a quick, realistic estimate of how much you may be able to borrow, based on your income, outgoings, and deposit.

A quick check, with no impact on your credit score

The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure.

Plan with confidence, whatever your next step

Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on.

Income Protection Insurance in Coventry & Warwickshire

Rate match guarantee

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What is Income Protection Cover & How Does It Work?

What does income protection insurance include?

Life insurance

Critical illness cover

Income protection

Family income benefit

Why do you need income protection?

What does income protection insurance cover?

You’re well enough to return to work

The benefit period ends (e.g. 1 year, 2 years, or full-term cover)

The policy term expires (often aligned with your retirement age)

Do I qualify for income protection cover?

How is it different from other protection products?