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Income Protection Insurance

Protecting your income - your most valuable asset

What is Income Protection?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

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How income protection insurance works alongside your mortgage

Who is it for?

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Employed Workers

Even if your employer provides sick pay, it is unlikely to last for longer than twelve months. Ongoing protection is essential for long-term security.

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Self-Employed

Especially important for Brighton’s thriving community of freelancers, contractors, and business owners who have no sick pay safety net.

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Main Earners

If your income pays the mortgage and household bills, your family is vulnerable if you can’t work due to illness or injury. Income protection provides crucial security.

How It Works

Choose the monthly benefit you need (typically 50-70% of your income). Select a deferred period – how long before payments start (usually 4, 13, 26, or 52 weeks).

If you’re unable to work due to illness or injury, your policy pays out a tax-free monthly income until you return to work or reach your policy end date.

Tailored to Your Needs

Plans can be adapted to fit in with any existing protection you might have from your employer or other policies.

As advisors, we can help you find the plan that best meets your requirements and budget, ensuring you have the right level of cover.

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The FCA does not regulate Commercial Mortgage, Conveyancing, Borrowing capacity in relation to court proceedings, solicitors and some forms of Tax planning and Buy to Let mortgage services.

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

The information given in this website does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision. The FCA does not regulate some forms of buy to let mortgages.

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email. Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS).

David Lewis Mortgage Management is a trading name of David Lewis. David Lewis is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Register No 654487. Calls may be recorded for training and monitoring.

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