Protect Your Income, Protect Your Lifestyle.

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If illness or injury stops you from working, how would you cover your bills, mortgage, or everyday living costs?

Income protection provides a regular monthly payment if you're unable to work due to ill health—helping you maintain financial stability while you recover. Whether you're employed or self-employed, we’ll guide you through the available options, waiting periods, and benefit terms to ensure your cover fits your needs and budget.

At Cotswold Mortgage & Protection, we are experts in advising on, and creating a plan that can help you safeguard your income and future peace of mind.

Income Protection FAQs

  • Income protection pays you a monthly income if you can’t work due to illness or injury. It helps cover essential expenses like your mortgage, rent, bills, and everyday living costs—giving you financial stability while you recover.

  • Critical illness cover pays a one-off lump sum if you’re diagnosed with a specified serious illness. Income protection, on the other hand, pays you a regular income if you're unable to work due to almost any medical reason—whether physical or mental—and can continue for months or even years.

  • That depends on the policy. You can choose a short-term plan (e.g. 1–2 years of payments) or full-term cover that pays until you're well enough to return to work or reach retirement age. We’ll help you decide what suits your needs and budget.

  • Almost certainly. Statutory Sick Pay (SSP) and even employer sick pay may only last a few months. Income protection can be crafted to begin after that, providing longer-term support. We’ll help you understand any gaps in your current cover.

  • Yes—income protection is especially important if you're self-employed and don’t have access to sick pay. We can help you find policies tailored to self-employed earnings, with flexible options to suit your income and lifestyle.

Ready to Talk?

Drop us a message or book a quick call — no jargon, no pressure, just straightforward advice from someone who’s on your side.

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