Income Protection Trusted, Reliable Insurance For All

Income protection ensures your wages are covered if you’re unable to work due to sickness or injury.

Create your own financial freedom with an affordable, flexible Manor Financial income protection insurance policy. Whether you’re an employee, contractor or self-employed, we’ll provide the perfect level of cover to fit your circumstances. 

Just 3 simple steps

To complete your journey to financial protection security for you and your family.

What is income protection?

Income protection insurance is a popular type of insurance that pays policy holders a regular income if they are unable to work due to illness, accident or injury.

Income protection is primarily used to cover essential expenses, such as mortgage or rent payments and essential household bills, if you’re unable to work. It operates as a valuable financial safety net, especially for homeowners and those with important financial commitments.

Before choosing a policy, applicants should consider,

  1. The amount of cover required – as this depends on your income, expenses and financial commitments.
  2. The length of the policy – will depend on your individual circumstances. As you may prefer a policy that lasts until retirement age.
  3. The monthly cost – which can vary depending on age, pre-existing medical conditions and occupation.

Product Matrix

Comparison table of our insurance products

Benefit Income Protection Life Insurance Home Insurance Over 50's Cover Private Healthcare Critical Illness Cover Inheritance Tax Reduction
Protects homeowners by covering repairs/rebuild costs
Offers tax-free payouts to beneficiaries
Provides ongoing income to replace lost income/salary
Pays a lump sum on death

green tick (lump sum)

Provides financial security for loved ones (as ongoing income)

green tick (lump sum)

green tick (lump sum)

green tick (lump sum)

green tick (lump sum)

May cover pre-existing medical conditions (limited exceptions)
Offers access to private medical treatment
May offer additional benefits

(accident cover, rehabilitation)

(funeral expenses, child support)

(contents cover, alternative accommodation)

(dental, mental health)

(trusts, life insurance policies)

Our customers

To continuously improve our service and built better products, we strongly believe in encouraging customers to feedback what’s working and where improvements could be made. To support this, we teamed up with the brilliant Reviews.IO, so everyone can leave honest reviews for everyone to see, in real time.

FAQs

Income Protection and Life Insurance specialists

Income protection insurance can be a valuable and often essential financial safety net if you become unable to work due to illness, an accident or injury. It can crucially help replace a sizeable proportion of your income, so that you can continue to pay your mortgage, rent, household bills and other important financial obligations.

Whether or not income protection is worth the cost generally depends on your individual circumstances, such as income, occupation and your financial situation. If you are the sole earner in your household or if you have numerous financial commitments, then income protection could be a good financially prudent option for you.

The cost of income protection insurance will vary considerably depending on several key factors, such as age, occupation, health, and the level of cover you choose. As a rule, you can expect to pay around £10 – £100 per month for income protection insurance, depending on the level of cover required.

An income protection policy will pay out a financial amount either weekly, monthly or periodically, if you become unable to work due to illness, an accident or injury. The benefit amount will depend on the terms and the level of premiums you pay into your policy. The primary purpose is to protect employees, contractors or self employed individuals who can’t work for a period of time. Our insurance product protects employees from many sectors included nurses, construction to self-employed individuals

Income protection insurance typically covers a wide range of the most common illnesses & injuries, including:

  • Cancer
  • Heart attacks
  • Strokes
  • Broken bones and sprains
  • Minor and major surgery
  • Long-term disability
  • Musculoskeletal
  • Some forms of mental illness

Some Income protection policies may also cover redundancy and/or pre-existing conditions, although this is not always the case.

This is often difficult to answer, as the best income protection insurance for you will depend on your individual circumstances and policy requirements. It is important to compare policies from different insurers and speak to a specialist to evaluate your options and find one that offers the right level of cover at a competitive price.

This depends on the type of policy you opt for. However, in general, income protection insurance does not cover every type of illness and injury. Some common exclusions include:

  • Pre-existing conditions
  • Self-inflicted injuries
  • Some life long medical conditions

There are a few potential disadvantages to income protection insurance, including:

  • The premiums can be expensive, depending on the level of cover required.
  • There may be a specified waiting period before you can claim benefits.
  • You may have to undergo a medical examination.
  • Your policy may be terminated if you make a false, incomplete or misleading statement.

Some income protection policies specifically cover redundancy, but some do not. If you are considering taking out income protection insurance, it is important to check whether redundancy is covered. Alternatively ask for a quote covering redundancy.

No, unfortunately not. Income protection insurance is a type of insurance policy that is protecting an income. If you are not working or not receiving an income you would not be eligible for the insurance.
Yes, self-employed people can get income protection insurance. For most self-employed people the need is higher, due to the lack of support or sick pay from an employer.

Critical illness cover is a different type of income protection insurance that specifically pays out a lump sum, if you are diagnosed with a critical medical illness, such as various types of cancers, heart conditions, strokes and brain tumours. This financial payout can be used to cover your financial needs, such as medical expenses, mortgage payments, or childcare costs.

Critical illness banner heart

Why choose
Manor Financial?

Over many years we have developed a hard-earned reputation for our honesty, no obligation quotes, relaxed approach and reliable & flexible insurance products.

  • No obligation quotes
  • Experienced advisors
  • Compare the market service
  • After sales support
  • Claims support
  • Additional benefits
While providing top class insurances options, useful features and after sales support, for ALL our customers. As experienced, respected insurance brokers, our key strength is listening to what customers really need to feel financially protected and providing them with trusted and fully transparent advisors to help them make the right decisions about protecting their income, property, families and futures.

Contact Us

If you have any questions about any of our policies, from income protection, life or home insurance to one of our more specialist policies; or would simply like a ‘no obligation’ quote, we’d love to take your call on
0800 368 7533.

Alternatively complete our quick and easy form, and a member of our team will be in touch shortly.

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