If illness or injury meant you had to stop working, how long could your income stretch? Income protection insurance helps cover your living costs when you can’t, so you can focus on recovery, not your next bill.

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What is income protection insurance?

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.

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What does it include?

Family protection can include a tailored combination of:

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.

Why do you need it?

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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.

What does it cover?

A typical income protection policy pays out between 50–70% of your gross income, depending on the insurer. Payments start after a deferred period (often 4, 8 or 13 weeks after your last salary) and continue until:

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)

Cover can be tailored to your job, income, health history and personal circumstances, which is why advice from a specialist matters.

Do I qualify?

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.

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How is it different from other protection products?

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

They can work together, but income protection is often the first line of defence when your ability to earn is interrupted.

Why use a specialist?

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.

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Protect your income, protect your life

If losing your income would mean losing your home, your lifestyle, or your peace of mind, now is the time to get protected.

Book a free, no-obligation appointment with a Jigsaw adviser today. We’ll help you understand your options, choose the right cover, and set up your policy with no pressure and no jargon, just clear advice, tailored to your life.

How can we help you?

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