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Income protection insurance, also known as permanent health insurance (PHI) or long-term disability insurance, is a valuable form of coverage designed to provide financial support to individuals in the United Kingdom. This is applicable when they are unable to work due to illness or injury.

In the UK, income protection insurance is highly regarded as it offers peace of mind by ensuring that individuals can maintain their standard of living and meet their financial obligations during periods of incapacity.

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Exploring the Key Features of Income Protection Insurance in the UK

Income protection insurance in the UK operates by replacing a portion of the insured person's income when they are unable to work due to illness or injury.

Key features of income protection insurance in the UK include:

Regular monthly payments

The policy provides regular payments to replace the lost income of the insured individual.

Coverage for long-term disabilities long-term disabilities

Income protection insurance covers both short-term and long-term disabilities, ensuring ongoing financial support.

Flexible waiting periods and benefit periods

Policyholders can choose waiting periods (e.g., 1 month, 3 months, 6 months) and benefit periods (e.g., 2 years, 5 years, until retirement age) based on their specific needs.

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5 easy steps 
to owning your dream home

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Coffee and Chat

1. Coffee and Chat

Whether it’s us coming to your home or you calling in to see us in our office, let’s enjoy a coffee and a chat.

We’ll explore your circumstances, gather information, explore your options, and it’s also an excellent opportunity to ask us any questions.

And once we’ve pre-approved your mortgage, you’ll be able to bid on your future home with confidence.

Mortgage Application With access to over 50 providers in the UK

2. Mortgage application.

With access to over 50 providers in the UK, you can be sure we’ll find a deal to suit you and your needs.

Once we’ve found you a great deal, we’ll complete the entire mortgage application on your behalf.

Mortgage Offer

3. The mortgage offer

Once you’ve got your full mortgage offer, you’re one step closer to your dream home.

And once your mortgage offer has been approved, we’ll scour the market to find you a buildings insurance deal that’ll keep your lender happy.

Advice on Home, Health, Life and Income Protection

4. Protection

Taking on a mortgage is usually the most significant financial commitment you’ll ever undertake.

So, it’s only natural you’ll want to protect it, and you, should anything happen.

RM Financial Consultants Ltd will give you our unbiased advice and find you deals for home, health, life, and income protection.

Funds released

5. Funds released


That wasn’t too bad, was it?

Remember, just a couple of months ago, we were having a chat over coffee, and now you’ve got your new home!

Need a hand moving in?

Enquire Now

Complete the form below and we will be in touch within 1 working day.

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