Income Protection

If you couldn't work due to a serious illness, how would you manage?

Could you survive on savings, or your sick pay from work? You insure the dog, but who’s going to pay the dog’s premium?

You will therefore need some other way to keep paying the bills – so you might want to consider Income Protection Insurance.

What is Income Protection Insurance?

Income protection insurance is a long-term insurance policy designed to support you if you can’t work because you’re ill or injured.

  • It replaces part of your income if you can’t work for a while because you are ill or disabled.
  • It pays out until you can start working again or until you retire or the end of the policy term whichever is sooner.
  • There’s a waiting period before the payments start. You generally set payments to start after your sick pay ends, or after any other insurance stops covering you. The longer you wait, the lower the premiums.


This product is provided by SMQ Services Ltd which is part of The SMQ Group. SMQ Services Ltd is an appointed representative of The Health Insurance Group which is authorised and regulated by the Financial Conduct Authority.

Make sure your protected

Get piece of mind that you income is protected