Income protection insurance is designed to provide a regular income if you’re unable to work due to illness or injury, helping you maintain financial stability when your earnings stop.
At Holbrook Property Finance, we offer clear, whole-of-market advice to help you arrange income protection insurance that supports your lifestyle, commitments and long-term security.
Income protection insurance is a policy that pays a regular monthly income if you’re unable to work due to illness or injury, subject to the policy’s terms, conditions and definitions. Payments usually continue until you’re able to return to work, the policy term ends, or you reach retirement age, depending on how the policy is set up.
This type of cover is designed to protect your most important asset — your ability to earn an income. It can help cover essential outgoings such as mortgage or rent payments, household bills and everyday living costs during periods when you’re unable to work.
Income protection insurance is one of the most valuable forms of personal protection, but it’s also one of the most complex. Policy definitions, exclusions and claim criteria can differ widely between insurers, making comparisons difficult without expert guidance.
At Holbrook Property Finance, we take time to understand your occupation, income structure, employment status and financial commitments. With access to the whole of the market, we compare policies from trusted insurers and explain the differences clearly, so you understand exactly how cover would work if you needed to claim.
Using a broker also helps ensure your policy is structured correctly — including benefit amount, waiting period and policy length — reducing the risk of gaps in cover or misunderstandings at claim stage.
Income protection insurance can be tailored in a variety of ways to suit your needs and budget.
Policies can be arranged to replace a percentage of your income, with waiting periods ranging from short-term to longer deferral periods depending on your savings or employer benefits. Cover can also be structured to last for a set term or until retirement age.
Whether you’re employed, self-employed, a contractor or a business owner, we’ll help you explore income protection insurance options that balance affordability, flexibility and meaningful long-term protection.
At Holbrook Property Finance, we believe protection advice should be clear, honest and focused on real-life outcomes. We take a relationship-led approach, ensuring recommendations are tailored to your circumstances and reviewed as your life changes.
You’ll benefit from whole-of-market access to trusted insurers, straightforward explanations in plain English, and ongoing support from advisers who are committed to getting the right outcome for you. Our 5 star Google Reviews reflect our professionalism, integrity and consistently strong client service.
This depends on your income, outgoings and existing benefits. We’ll help calculate a suitable level of cover based on your circumstances.
Payments can continue until you return to work, the policy term ends or retirement age is reached, depending on the policy chosen.
Yes. Employer sick pay is usually short-term, whereas income protection is designed to provide longer-term support.
Yes. Many insurers offer income protection for self-employed individuals, subject to underwriting criteria.
Yes. Policies can be reviewed and adjusted as your income or circumstances change.
If you want to protect your income and maintain financial stability if you’re unable to work, expert advice can make a real difference.
Get in touch today to speak to a Holbrook adviser about income protection insurance.
No pressure, no hassle — just clear, tailored protection advice.
Holbrook Property Finance Limited registered in England at Holbrook House, 34-38 Hill Rise, Richmond TW10 6UA, number 07066135 is authorised and regulated by the Financial Conduct Authority (FRN 790387). Our charges are dependent on the loan amount and your individual circumstances. A free initial consultation will be provided, and we will explain in all cases what you will be charged before you decide to proceed with an application. As we offer a tailored service our fees can vary. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before we proceed.
