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Income Protection: Protect Yourself and Your Family in 2025

  • Liam Drummond
  • May 7
  • 2 min read

Income protection covering a woman with a broken leg

What is Income Protection?


Income protection is a type of insurance that pays you a regular income if you’re unable to work due to illness or injury. Unlike critical illness cover or life insurance, income protection is designed to help replace your monthly earnings, so you can keep up with your mortgage, bills, and everyday expenses if the unexpected happens.


At Drummonds Finance Group, we believe protecting your income is just as important as securing your mortgage. We help clients across the UK find affordable, tailored income protection plans to suit their lifestyle and budget.


Why is Income Protection Important?


Most households rely heavily on a single or dual income to stay financially stable. If one of those incomes suddenly disappears due to long-term illness or injury, it can cause substantial financial strain.


Imagine:


  • You’re off work for 6 months due to an accident.


  • Statutory Sick Pay (SSP) is just £116.75/week in 2025


  • Your mortgage alone is £850/month.


💡 Income protection gives you peace of mind knowing your finances are covered even when you can’t work.




Person in blue shirt uses a calculator and writes on documents at a desk. A phone and papers are nearby. Bright, calm office setting.

What Does Income Protection Cover?


Income protection typically covers:


  • Long-term illness (physical or mental)


  • Recovery from injury or surgery


  • Any condition that prevents you from doing your normal job


It pays out a monthly income (usually up to 60%-70% of your gross salary) until you recover, retire, or the policy ends. You choose the deferred period (how long after you stop working the payments begin).


✅ Flexible options — short-term or long-term cover

✅ Suitable for self-employed, employed, and contractors


Who Needs Income Protection?


  • Homeowners: Make sure you can keep up with your mortgage repayments


  • Self-employed individuals: No employer sick pay to fall back on


  • Families: Protect your dependents from financial stress


  • First-time buyers: Keep your new home safe even if you can't work


🎯 If losing your income would impact your lifestyle or mortgage, income protection is for you.


Common Misconceptions


❌ “The government will cover me” – SSP isn’t enough to cover most bills

❌ “I have savings” – Most people don’t have enough saved to last 6+ months

❌ “It’s too expensive” – Basic policies start from as little as £10/month, depending on age and health


💬 We help you find the best value cover tailored to your needs, not just off-the-shelf plans.


How to Apply for Income Protection


At Drummonds Finance Group, we’ll:


  1. Assess your needs and current income

  2. Compare policies from top UK insurers

  3. Match you with the most suitable, cost-effective protection

  4. Help with the paperwork and application


📞 Want to protect your income? Book a free consultation


Real-Life Example


Sarah, a 36-year-old nurse, took out income protection in 2023. In 2024, she developed a long-term back condition and couldn’t work for over 9 months. Her income protection policy paid her £1,500/month, which allowed her to cover her mortgage and living costs without falling into debt.


✅ It made all the difference in helping her recover stress-free.


Why Choose Drummonds Finance Group?


✅ We’re mortgage and protection experts

✅ No pushy sales — just honest advice

✅ Access to leading insurers across the UK market

✅ Tailored recommendations based on your life stage and goals


Start Protecting What Matters Most

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