Income Protection
Income Protection Insurance
Secure Your Income. Protect Your Future.
Drummonds Finance Group | Independent Financial Advice You Can Trust
Imagine being unable to work for weeks or even months due to illness or injury. Would your savings cover your mortgage, bills, or living costs? For many, the answer is no. That’s where Income Protection Insurance steps in.
At Drummonds Finance Group, we help individuals and families across Oxfordshire and the UK safeguard their income and financial stability with tailored income protection solutions designed around their needs, lifestyles, and goals.
📞 Get Protected Today – Start with a Free Consultation
You insure your car and your home—why not your most valuable asset: your income?
Contact Drummonds Finance Group today for a friendly, no-obligation chat. We’ll help you explore your options, compare quotes, and put the right protection in place—so you and your family are prepared for whatever life throws your way.
👉 Call, email, or book your consultation online now.
💡 What Is Income Protection Insurance?
Income Protection is an insurance policy that pays you a regular monthly income if you're unable to work due to accident, illness, or injury. It ensures that even when you can’t earn, your essential living costs are covered—giving you time to recover without the added financial pressure.
Unlike sick pay from an employer (which may only last a few weeks or months), income protection can cover you long-term, often until you’re well enough to return to work or until retirement.
🔐 Key Features of Income Protection
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Pays a tax-free monthly income if you can’t work due to illness or injury
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Covers up to 60–70% of your gross income (depending on the provider)
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Offers short-term or long-term cover—you choose the benefit period
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You can choose a deferred period (how soon the payments begin) to suit your savings or sick pay
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Policies can be tailored to your occupation and lifestyle
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Claims are usually based on your own occupation—meaning you’re covered if you can’t do your specific job
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Peace of mind for you and your family, knowing the essentials are taken care of
👩🔧 Who Needs Income Protection?
In short—anyone who relies on their income. But it’s especially important if:
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You're self-employed or a business owner
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You don’t receive generous employer sick pay
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You have financial responsibilities, such as a mortgage, rent, or dependents
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You want to maintain your lifestyle and independence if you become ill or injured
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You’ve considered how vulnerable your income is to life’s unexpected turns
💬 How Drummonds Finance Group Can Help
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We’re not tied to any one insurer, which means we can search the whole market to find the right income protection policy for you. We’ll help you:
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Understand how income protection works and how it fits into your financial plan
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Compare policies from leading UK providers
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Choose the right deferred period, benefit term, and monthly cover level
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Tailor cover based on your job, health, and budget
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Ensure any existing cover you have complements your new policy
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Our goal is simple: to make income protection easy to understand and even easier to arrange—without jargon or pushy sales tactics.
🛡️ Why Choose Us?
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📍 Local, personal advice across Oxfordshire
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🧾 Access to trusted insurers and tailored options
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🙋 No-obligation consultations—ask anything, we’re here to help
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💼 Expert knowledge of self-employed, contractor, and director needs
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🧠 Focused on long-term financial wellbeing, not just short-term fixes
📍 Serving Clients Across Oxfordshire
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We’re not tied to any one insurer, which means we can search the whole market to find the right income protection policy for you. We’ll help you:
-
Understand how income protection works and how it fits into your financial plan
-
Compare policies from leading UK providers
-
Choose the right deferred period, benefit term, and monthly cover level
-
Tailor cover based on your job, health, and budget
-
Ensure any existing cover you have complements your new policy
-
Our goal is simple: to make income protection easy to understand and even easier to arrange—without jargon or pushy sales tactics.