Income Protection Insurance

  • Friendly advice that’s tailored to you.
  • High-quality Income Protection Insurance.
  • We compare all the Income Protection Insurance plans so you don’t have to.
  • Quick, hassle-free process.
  • We’ll help you find suitable cover, no matter your circumstances.

Are you one of those people who just loves their job, and can’t wait to get to the office every morning? Do you love interacting with clients and showcasing your talents within your chosen field? Even if you’re not so crazy about your role, you know that a steady income is key to living comfortably and providing for your family. So what would you do if for whatever reason, you couldn’t work for a while? Dig into your savings? Remortgage? How about claiming on your Income Protection Insurance? There to protect your salary and ensure you’re never left out of pocket, this policy can pay out if you’re unable to work due to injury or illness.

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    With access to leading insurers including Aviva, Royal London and Zurich, our income protection insurance brokers can help you find a suitable quote based on your requirements. To learn more and to find your insurance quote, please do not hesitate to get in touch with us today. We provide help for clients in areas such as Leeds, Huddersfield, Bradford, YorkHarrogate, as well as the rest of the UK, so you can help find a suitable level of cover too.


    What Is Income Protection Insurance?

    Income protection insurance – also known as permanent health insurance – is a policy designed to help you if you can’t work because you’re ill or injured.* Policies of this type may mean that you continue to receive a regular income until you retire or are able to return to work.

    There are various types of income protection insurance, and these include:

    • Permanent Health Insurance (PHI): Protects a portion of your income – often 68% of your gross salary – in the event of an illness or an accident that means you’re unable to work. It can pay out until you reach retirement age, providing you with greater financial security.
    • Accident and Sickness Cover: Normally provides you with an alternative income for you to pay your monthly expenditures until you can return to work.

    Other, and perhaps more suitable types of protection depending on your circumstances, include:

    • Unemployment Cover: Should you lose your job, this provides you with a steady replacement income.
    • Accident, Sickness and Unemployment (ASU) Cover: A combination of the above, in the event of illness, an accident or job loss, this allows you to protect the payments on your mortgage or rent, plus any other debts.
    what is income protection insurance?
    income protection insurance

    When you take out Income Protection Insurance – and dependent on the policy – you can insure up to 65% of the first £15,000 of your earnings and 55% of the remainder of your earnings above £15,000 before tax, up to a maximum of £250,000 a year.

    You can also choose the amount of time between you becoming incapacitated and getting your first payment from your insurer. This is known as the deferred period.

    If you’re diagnosed with a terminal illness that meets the definition set out in your policy, your insurer may pay out straight away. In other words, you may not have to wait for the deferred period to elapse.


    Why Choose Avail?

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    There For You With Insurance Support

    No hassle. No fuss. We know life is tough enough. We ensure we’re available at a time that suits your needs, and can even offer out of hours support.

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    Insurance Policies Based On Your Needs

    Our process may be fast, but we still take the time to understand your insurance requirements, to provide you with the most suitable policy.

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    Advanced Technology Drives Us Forward

    Our portal allows you to access important documents anytime, anywhere. This advanced technology allows us to speed up the policy process so you can focus on more important matters.

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    Income Protection Insurance Support

    If you have any questions or concerns, we’re here to help. Our expert team will work tirelessly to ensure any issue is remedied and will be in touch to ensure your happiness throughout the process.



    Get In Touch

    For income protection insurance advice and for your income protection insurance quote please get in touch with Avail today. Serving clients in areas including Sheffield, Leeds, Huddersfield and York, we’ll help you find the most suitable insurance policy for you.