Income Protection
Protecting your income when life throws a curveball
No one likes to think about being unable to work due to illness or injury - but it happens to thousands of people every year. Income protection is designed to replace a portion of your income if you can’t work for an extended period, helping you maintain your lifestyle and cover essential expenses.
At Birmingham Mortgage Hub, we believe income protection isn’t just about money - it’s about peace of mind. It’s knowing that if life changes unexpectedly, your bills, mortgage, and family commitments can still be met without stress, giving you the best chance to recover quickly.
What is Income Protection?
Income protection pays a regular monthly benefit if you’re unable to work due to illness or injury. Key features include:
- Covers up to 65% of your earnings
- Payments continue until you return to work, reach retirement, or your policy ends
- Flexible waiting periods - choose when payments start to suit your sick pay or savings
- Available for self-employed and contractors - tailored for non-salaried income
Unlike critical illness cover (which pays a lump sum for specific conditions), income protection provides ongoing financial support for any medical reason that prevents you from working.
Why Consider Income Protection?
Even short-term absence can have a major financial impact. Income protection ensures:
- Mortgage and household bills are covered
- Peace of mind for you and your family
- Support for self-employed or freelance workers
- Flexibility to choose waiting periods, benefit amounts, and coverage terms
For most people, being out of work means income stops - but bills don’t. Income protection gives you reassurance that life doesn’t have to stop if you’re temporarily unable to work.
Can Anyone Get Income Protection?
Policies are subject to medical underwriting, which considers:
- Current health and medical history
- Lifestyle factors (smoking, alcohol, high-risk hobbies)
- Family medical history
- Your occupation and work type
Not all insurers cover every occupation. Some avoid higher-risk jobs, but others are more flexible. At Birmingham Mortgage Hub, we work with a wide panel of insurers - including specialists - so even if you’ve been declined before, we can often find a solution.
Additional Benefits You Might Not Know About
Some policies include:
- Partial payments if you can work reduced hours
- Rehabilitation support - access to therapy or retraining programs
- Flexible payout options - choose benefit structure and duration
These extras make income protection more than a safety net - it’s a way to stay financially stable while you focus on recovery.
How 
can help
- Advice tailored to your mortgage, family and future plans
- Access to multiple insurers, including specialist providers
- Guidance if you’ve been declined due to health, lifestyle, or occupation
- Help choosing waiting periods, benefit amounts, and policy terms
- Clear, jargon-free advice so you understand exactly what’s covered
Ready to get started?
Contact UsProtection GuideFinancial Risk Tool
Important information
For insurance business we offer products from a range of insurers.