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.



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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.



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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.

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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.

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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

  • Is Income Protection worth it?

    Yes, especially if you rely on your income to pay bills, rent, or a mortgage. Without it, an illness or injury could cause financial strain.

  • How long does Income Protection pay out for?

    This depends on whether you choose short-term or long-term cover. Policies can last 1-2 years or until retirement.

  • Is Income Protection the same as Critical Illness Cover?

    No. Critical Illness Cover pays a one-off lump sum for serious conditions, while Income Protection provides ongoing payments if you’re unable to work.

  • Can I get cover if I have pre-existing medical conditions?

    Yes, but your premiums may be higher. Some insurers may exclude certain conditions from cover.

  • Will I receive sick pay from my employer if I have this policy?

    Yes, but once your sick pay ends, Income Protection continues to cover your salary.

Contact Us Today if you have more questions or need expert guidance.

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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.

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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.

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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.



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