What is Income Protection Insurance?
Income Protection Insurance provides regular financial support if you’re unable to work due to illness or injury. It helps you replace part of your income, so you can keep up with essential expenses while you recover.
As an independent broker, Morrow compares policies from trusted providers to find the cover that best fits your occupation, income, and lifestyle. We take the complexity out of the process, helping you understand your options and secure affordable, reliable protection.
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What can you use Income Protection Insurance for?
Income Protection Insurance is designed to keep your finances stable if you can’t work for a period of time. It gives you peace of mind that you can continue meeting your financial commitments and maintain your quality of life while you recover.
Covering Living Costs
Your policy can help with regular bills, mortgage or rent payments, and household expenses so you can focus on your recovery instead of your finances.
Supporting Your Family
Protect your household income so your family can manage daily expenses and maintain financial stability if you’re unable to work.
Rehabilitating with Confidence
Use the support to fund rehabilitation or treatments that help you return to work safely, at your own pace.
Long-Term Security
Depending on your policy, payments can continue until you’re fit to return to work, reach retirement, or your cover term ends — giving you lasting peace of mind.
What should I consider when choosing
Income Protection Insurance?
Choosing the right policy depends on your job, financial responsibilities, and how much of your income you’d like covered. Here are some key things to think about:
How much income do I need to replace?
Most policies cover between 50% and 70% of your gross income. Think about what you’d need to maintain your lifestyle.
How long should the payments last?
You can choose short-term cover that pays for one or two years or long-term cover that lasts until retirement or the end of your policy.
When should payments start?
Each policy has a “deferment period” before payments begin. A longer wait period often means lower premiums.
Does it suit my job type?
Different occupations carry different risks. We’ll help you find cover that matches your profession and circumstances.
What can I afford monthly?
We’ll help you balance comprehensive protection with an affordable premium that fits your budget.
Want to talk it through?
Either call our friendly team on 0800 888 6500 for free, no-obligation advice or fill out your contact details above and we will call you back
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Income Protection FAQs
Questions? We have answers.
Mortgages, loans, and insurance do not have to feel confusing. If you are unsure, curious, or just want a real person to guide you, Morrow is here to help.
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