Our panel of carefully selected Specialist Insurance Providers can help you find the right Income Protection policy to safeguard your earnings if illness or injury prevents you from working.
What Is Income Protection?
Income Protection is an insurance policy designed to replace a portion of your income if you become unable to work due to sickness, injury, or disability. It provides ongoing financial support, helping you maintain stability and meet everyday commitments while you recover.
Policies can cover employees, self-employed individuals, and business owners — ensuring you have a financial safety net when you need it most.
What Does Income Protection Typically Include?
-
Monthly income replacement
-
Cover for long-term and short-term illness
-
Protection for self-employed and employed workers
-
Choice of deferred periods
-
Claims paid until you return to work or reach retirement
-
Optional redundancy cover
-
Tax free payments
-
Guaranteed or reviewable premiums
Why Choose SynergiseUK for Income Protection?
Access to Specialist Providers
We connect you to experienced Income Protection specialists who understand different occupations, earnings structures, and risk levels.
Tailored Policy Options
Your adviser identifies policies suited to your budget, lifestyle, and financial responsibilities.
Support for Self-Employed Workers
Specialists help you secure cover even without traditional sick pay or employer benefits.
Clear Guidance on Policy Terms
Your adviser explains exclusions, waiting periods, and benefit levels in plain, straightforward language.
Protection That Fits Your Future
Whether you’re buying your first policy or reviewing your existing one, specialists help ensure you’re fully protected.
Protect Your Income with Confidence
Stay financially secure even when you’re unable to work. SynergiseUK connects you to specialist Income Protection providers who can help you find the right policy for your needs
Frequently asked Q&A's
Most policies cover between 50–70% of your gross income.
Payments continue until you return to work, your policy term ends, or you reach retirement age — depending on your policy.
Statutory Sick Pay is often not enough to cover regular living costs. Income Protection provides a more reliable and substantial safety net.
Yes. Specialists can source policies designed specifically for self-employed individuals
It depends on the chosen deferred period, which can range from 1 week to several months.
Yes — Income Protection benefits are paid tax-free.
No. SynergiseUK connects you to specialist insurance providers who arrange the policy and handle your application.
Yes. Many people use Income Protection to ensure mortgage, rent, and bills remain affordable during illness or injury.
A specialist can review your existing cover to ensure it still meets your needs.
Critical Illness pays a one-off lump sum for specific serious illnesses, while Income Protection provides ongoing monthly support for a wider range of conditions.
Get in Touch
We'd love to hear from you