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Common Income Protection questions.

Please contact us with your Income Protection query

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Ask our Support Team

Should I get Income Protection?

Ask yourself if you have enough savings to cover your income, should you find yourself unable to work through disability or ill-health. Could you survive on State Benefits alone? If not, then we recommend that you take out Income Protection.

Will I need a medical when applying for Income Protection?

Some Income Protection providers may require you to have a medical before they agree to cover you. Others may request a GP report.

Can you have two Income Protection policies?

We strongly recommend taking professional advice before taking out additional protection. There is a risk of being over-insured and paying for cover that you may not be able to claim on. 

In the event of a claim, how would the insurance claim be paid?

The income from a claim will be paid directly into your bank account. This will be paid either up to a specified age, or to retirement, whichever was selected at the outset.

How long does it take to set up an Income Protection policy?

 Where the client is below a certain age, in good health and is applying for a sum assured below a specified level, a policy could be applied for online. Cover could also start as soon as terms are accepted by the applicant. 



Back Problems


The Income Protection Process

Working with HB Partners



An informal introductory conversation

Our protection experts will ask you about your circumstances. Once these have been ascertained, we will take you through the options available to you. We will address the conditions covered, and what level of cover you need. 

We will identify the most appropriate Income Protection product to suit your circumstances.

Our Expert Recommendation



Discover the right Income Protection for you

Our experts will calculate the amount of cover required, then compare the relevant providers who meet your needs. We will then discuss these options with you and make our recommendations as to which provider and policy is most appropriate. 

Once you are ready to proceed, we will submit an application on your behalf. We will take care of all of the paperwork, and keep you updated at every stage on how your case is proceeding, right through to completion.

Full Application

An Income Protection policy is one of the most important insurances that you can consider as, without your income, your lifestyle could change dramatically. Some of the most common conditions covered are

What is 3 + 5 =

Income Protection

Helping you to focus on recovering

Call us 01923 964160

If you would like to discuss an Income Protection policy, please call us on 01923 964160

Meet the Team

01923 964160


The maximum cover you can have is up to 70% of your gross income. However, as the benefit paid is tax-free, you can replace a high percentage of your income should you need to claim. 


The cost of an Income Protection policy is calculated from several factors, such as age, lifestyle, health, work, whether you smoke.


Income Protection does not cover illness or injury lasting less than the policy's deferred period. It will not pay out indefinitely for disability. You will not be covered in the event of redundancy or dismissal.


An Income Protection Policy is designed to protect your income if you are unable to work as a result of disability or ill health. 

Frequently Asked Questions

We are always ready to help. Please call

If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

Get in touch

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What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

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