If you become ill or have an accident which results in you not being able to work, can you afford to pay the bills? If the answer is no, Income Protection Insurance is a must.
Income Protection Insurance at MAIN
Updated: 8th December 2021
Covid-19 Update
As with Critical Illness Cover and Life Insurance, insurers will ask additional questions with regards to Covid-19 symptoms and whether or not you have contracted Covid-19.
Income protection cover (otherwise known as a permanent health policy) is designed to cover you if you cannot earn your income. This is usually in the event of you becoming seriously ill or injured. If you are unable to live on your savings or on sick pay from your employer, this form of protection could be suitable.
This type of insurance is very similar to Critical Illness Cover. However, this policy is designed to cover less severe circumstances. It’s designed to continue to supply the policy holder with regular income until they can return to work.
You can adjust policy features to your needs, the more you exclude the lower the premium. In a lot of cases the policy holder can implement a claim waiting period. This is a time within which you are unable to make a claim.
This policy type for is for a fixed term, within which you can claim as many times as you need to during the policy term.
What isn’t covered with Income Protection Insurance?
It is difficult to say what would and would not be covered, as a lot of this depends on the choice of cover. As mentioned above, the policy holder can adjust the policy terms and conditions accordingly. The more you exclude, the lower the premium.
Income Protection Insurance - Quick Questions
Do you need a form of income protection?
Some people assume that if you don’t have children, you don’t need to be protected. That isn’t the case. If you won’t be able to pay your bills without your income, this form of insurance is needed. If you are self employed and don’t have sick pay to fall back on, this type of insurance may be perfect for you.
Can you get income protection if you are self employed?
You have less protection in place with regards to sick pay, if you are self employed. If you are self employed or considering becoming self employed, this is a must. It will provide you and your family with a form of financial security should you become ill and unable to work.
Book Your FREE Protection Review
We have access to some of the UK’s largest underwriters and therefore have the ability to compare levels of cover there and then for you.
This can be done over the telephone, Zoom or face to face. If you would like to discuss your income protection options, get in touch.

Why choose MAIN for Income Protection Insurance?
We have access to a panel of underwriting insurers and will take your needs and preferences into consideration. We have access to exclusive rates and features. You may have the ability to compare the market online these days, however, we can combine levels of cover and adjust terms to suit your needs.
We are here to answer any questions or queries you may have about the policy, you may also want to cover against a specific illness, we can help. Simply give us a call or book an appointment today.