Secure Your Income with Protection Insurance in Bristol & Bath
What is Income Protection Insurance?
Income Protection Insurance provides regular monthly payments if you’re unable to work due to illness or injury. Unlike Critical Illness Cover, which pays a one-off lump sum, Income Protection replaces a percentage of your salary for as long as you’re unable to work, ensuring financial security.
At Strong Mortgage Solutions, we help clients in Bristol, Bath, and surrounding areas find policies tailored to their needs and budget.
Book Your Free Income Protection Consultation and safeguard your financial future.
How Does Income Protection Work?
If you’re unable to work due to a long-term illness or accident, your Income Protection policy will pay out a percentage of your salary (typically 50-70%) until you return to work or reach the policy’s end date.
Key Features:
- Covers long-term illnesses and injuries preventing you from working.
- Payments start after a deferred period (usually 1, 3, 6, or 12 months).
- Can be tailored to short-term or long-term protection based on your needs.
- Available for employed and self-employed individuals.
Find Out More about your cover options.
Short-Term vs Long-Term Income Protection
Income Protection can be tailored to your specific needs:
Short-Term Income Protection
- Covers you for a set period (e.g., 1-2 years).
- Lower monthly premiums compared to long-term policies.
- Ideal for those with savings or other financial safety nets
Long-Term Income Protection
- Covers you until you can return to work or retire.
- Provides long-term financial stability for serious illnesses or disabilities.
- Higher premiums but greater security if you’re unable to work long-term.
When Does Income Protection Pay Out?
Your policy will pay out if you are signed off work due to illness or injury and meet the insurer’s eligibility criteria.
- Payments begin after a deferred period (you choose how long before payouts start).
- The longer the deferred period, the lower your premiums.
- You’ll receive regular monthly payments until you recover, retire, or reach the policy’s end date.
Request a Quote to explore affordable options.
How Much Does Income Protection Cost?
Many people assume Income Protection is too expensive, but policies can be tailored to fit your budget. Factors affecting cost include:
- Your age and health – younger, healthier individuals get lower premiums.
- Amount of cover needed – a lower payout means a lower premium.
- Deferred period length – a longer waiting period reduces costs.
- Policy term – short-term policies are cheaper than long-term cover.
Premiums start from as little as £10 per month, depending on your circumstances.
Get a Personalised Quote to find an affordable plan.
Why Consider Income Protection?
Provides Monthly Income if You Can’t Work
Ensures financial security for mortgage payments, rent, and daily expenses.
Flexible and Tailored Cover
Choose short-term or long-term protection based on your needs and budget.
Essential for Self-Employed Workers
If you’re self-employed, you won’t receive sick pay—Income Protection ensures you still get paid.
Frequently Asked Questions About Income Protection
Contact Us Today if you have more questions or need expert guidance.
Why Choose Strong Mortgage Solutions for Income Protection?
- Local expertise in Bristol, Bath, and surrounding areas.
- Tailored policies to fit your budget and needs.
- Access to leading UK insurance providers.
- Flexible consultations, available remotely or in person.
Book Your Free Consultation and protect your financial future.
Areas We Cover for Income Protection Advice
We offer tailored insurance advice in:
- Bristol (including Clifton, Redland, Bedminster, Southville)
- Bath
- Weston-super-Mare
- Portishead
- Clevedon
- Gloucestershire
- North Somerset
- Exeter
If you're searching for "Income Protection advisers near me," Strong Mortgage Solutions is here to help.
Contact Us Today for expert, local advice.
Secure Your Income with the Right Cover
Your income is one of your most valuable assets—protect it with the right cover. We provide clear, expert advice to help you find a policy that fits your needs and budget.
- Book a Free Consultation to explore your cover options.
- Contact Us Today for more information.
Follow us on Facebook for all the latest news.
We understand that from time to time our clients may find themselves dealing with circumstances that could mean they are potentially vulnerable. For example, a change in health, caring for a family member, or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.
If this is something you would like to discuss with us, please ask for a copy of our support guide or download a copy here. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us
Approved by The Openwork Partnership on 26/02/2025.
Strong Mortgage Solutions is a trading name of Martin Strong which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.