income protection insurance

If you are not able to work as a result of injury or illness, we’re here to keep you covered. We offer income protection insurance advice that helps you pay your essential bills and outgoings while you can’t work. Being a mum is a full-time job in itself, so allow our team to take the strain of finding the right income protection plan to suit your needs, as well as redundancy cover, work insurance and mortgage payment protection.

get started

To find the best income protection insurance, simply apply online today. You just have to answer a few questions on our form and submit the info to us, so we can start finding the right plan for you.

Some of the products listed are not regulated by the Financial Conduct Authority, and we may refer you to a 3rd party for these services.

Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income.

apply for income protection insurance online

income protection insurance application quick guide

we’ll collect your details

We bring together all the information you provide to start researching the most suitable income protection insurance quotes available.

we’ll get in touch

We’ll arrange a chat, either in person or over the phone, to get to know you and the kind of plan that suits your needs.

we’ll find the right plan

Our advisors search an exhaustive list of providers to find the best income protection insurance plan for you.

we’ll make your application

The Mortgage Mum removes any hassle by applying to your chosen provider on your behalf, ensuring no mistakes are made that could invalidate your plan later on.

hitting all the right notes…

Seeing a family settle into a new home with a mortgage that suits them and insurance that secures them. It’s what makes The Mortgage Mum team tick.

most common faqs

Will I need to undergo a medical examination to receive income protection insurance?

This is not always the case. Subject to your age, amount of cover and general health, the insurers may require further evidence before they can offer terms. This can be completed by either an additional telephone interview, nurse visit or a targeted report from your GP.

What factors will affect the income protection insurance policy I can qualify for?

Insurers will look at a number of factors before offering cover. Every provider is different, which is why it is best to speak with one of our advisers who can choose the best insurer for your circumstances. Some of the main factors will be age, occupation type, general health, smoker status and dangerous hobbies or pastimes. Once terms have been offered by the insurer and a monthly premium is agreed, that is the price you will pay each month for the life of the policy, should you choose a guaranteed premium.

What constitutes critical illness in income protection insurance?

A critical illness is not necessarily a life threatening condition, but in most cases life changing. Each insurer has a list of different definitions, meaning some will cover certain conditions, whilst others may not. Speak to one of our advisers to find out which critical illness plan is best suited for you.

your question not answered here? view all faqs

so, let’s get talking!

If there’s anything you’d like to chat about, whether that’s our services, our mortgages or insurance, just get in touch…