Income Protection

Income Protection – Keep Your Finances Secure If You Can’t Work

Life is unpredictable, and an illness or injury could put your financial security at risk. Income protection insurance provides a regular income if you're unable to work due to illness or disability, ensuring you can keep up with mortgage payments, household bills, and everyday expenses while you recover.

At J Finance, we help you find the best income protection policy tailored to your needs—so you have peace of mind, no matter what life throws your way.

Why Income Protection Matters

1. Financial Stability When You Need It Most

If you’re unable to work, an income protection policy replaces a portion of your earnings, typically 50-60% of your salary, helping you stay financially secure.

2. Maintain Your Lifestyle & Cover Essential Expenses

From mortgage repayments and rent to utility bills and daily living costs, this cover ensures you can continue to meet your financial commitments without added stress.

3. Long-Term Security & Peace of Mind

Unlike employer sick pay, which may only last a few weeks or months, income protection can provide cover until you recover, retire, or reach the end of your policy term.

4. Flexible Cover to Suit Your Needs

Policies can be tailored to your circumstances, including:
✔ Deferred periods (the waiting time before payouts begin)
✔ Benefit amounts (how much you receive)
✔ Cover duration (how long payments continue)

How Does Income Protection Work?

If you’re signed off work due to illness or injury, your policy will:
🔹 Pay out a percentage of your income after a pre-agreed waiting period
🔹 Continue paying until you return to work, retire, or reach the policy’s end date

This means you can focus on recovery without financial worries.

Why Choose J Finance?

✅ Independent Advice – We compare policies from top insurers to find the best cover at the most competitive rates.

✅ Tailored Protection – Your income and lifestyle are unique, so we recommend the right level of cover to match your needs.

✅ Hassle-Free Process – We handle everything, from policy comparisons to applications, making it simple and stress-free.

✅ Ongoing Support – As your career and financial situation change, we’ll review and adjust your cover to keep it relevant.

Protect Your Income Today – Get a Free Consultation

Your ability to earn is one of your most valuable assets—don’t leave it unprotected. Contact J Finance today for expert, independent advice and find the right income protection policy for you.