Nationwide Mortgage Brokers
Ensure your income, home, and family are safeguarded in the event of illness or injury.
Free 15 Min Discovery Call
Expert Advice
Market Leading Packages
Income protection insurance provides a vital safety net if you’re unable to work due to illness or injury. It allows you to focus on your recovery while ensuring you have a steady income to manage your financial commitments.
Here’s how it works:
Regular Payments: Offers consistent income through regular instalments to help cover your living expenses.
Long-Term Support: Payments continue until you’re able to return to work, reach retirement, or in the event of death.
Suitable for Everyone: Available for both employed and self-employed individuals.
Financial Security: Provides peace of mind for homeowners, ensuring you can keep up with mortgage payments even when you’re not working.
If you’re thinking about income protection insurance or want to check your eligibility, speaking with a qualified advisor can help you find the best policy for your needs.
How does Income Protection work with AJL Mortgages?
At AJL Mortgages, we simplify securing income protection insurance, offering expert guidance to ensure you have the right coverage in place.
As an award-winning broker, we provide free advice tailored to your needs, helping you safeguard your financial stability in the event that you're unable to work due to illness or injury.
We’ll assess your current financial situation and protection needs, helping you determine the level of income protection cover required to maintain your lifestyle if you become unable to work.
Based on your unique needs, we recommend the most suitable income protection policies to ensure you’re covered if illness or injury affects your ability to earn. We’ll guide you through the application process, making it simple and stress-free.
Once your income protection is in place, we continue to support you, ensuring your cover remains aligned with any changes in your health, life circumstances, or needs.
Book A Free 15 Min Call to Review Your Options
For many, mortgage payments are one of the biggest monthly expenses. If you’re unable to work due to illness or injury, the last thing you want to worry about is how to cover these costs. Income protection insurance provides peace of mind, ensuring your financial commitments are met while you focus on recovery.
Here’s how it works:
Cost Factors: Premiums are based on factors like your age, health, job, and the level of coverage you choose—similar to how car insurance works, with higher risks leading to higher costs.
Impact of Your Job: Your occupation plays a role in pricing. Jobs with higher risks may come with slightly higher premiums.
Income Replacement: Policies typically pay out between 50% to 70% of your salary, tax-free, helping you maintain financial stability while you recover.
Flexible Coverage: Whether you need short-term protection or a long-term safety net, there are policies to suit different needs and budgets.
Choosing the right income protection policy is key to ensuring you’re covered when it matters most.
FAQ: Income Protection
Reviews
We wouldn’t be where we are without our incredible clients. We take pride in building genuine, one-on-one relationships, offering tailored mortgage advice that suits each individual’s needs.
I recently got AJL to review our insurance policies and see if they were good enough for our new home. The team were fantastic and we ended up changing all of our policies, getting more cover and paying less than our old premiums. I have recommended AJL to a few local friends who have also been blown away by the support, thanks again!
Recently took out income protection with AJL Mortgages, i wanted cover to make sure my family were covered if i lost my job due to illness. The monthly payment was very reasonable and it gives me great piece of mind. Thanks to Alex for helping me with this and talking me through the application.
AJL made sure we have the appropriate cover for the new mortgage we have just taken out with them. We now have 3 policies which give us the safety we need with a young family. Thank you for making the whole process easy.
