We talk about your income, lifestyle, financial commitments, and what you’d need to stay afloat.
Income Protection That Works When You Can’t
Personal, straightforward advice to help you safeguard your income if illness or injury stops you working, so you can stay financially secure, whatever happens.
Our Solution
If You Couldn’t Work, Could You Still Pay the Bills?
We all insure our homes, cars and even our phones. But most people never think about insuring the one thing that pays for it all: their income.
If illness or injury forced you to take time off work, how long could you realistically keep up with rent, mortgage, or essential bills?
Income protection gives you a monthly income while you recover, giving you breathing room without draining your savings or relying on others.
Because your ability to earn is worth protecting.
How We Help
Our Approach to Income Protection Advice
Your income isn’t just a number; it funds your family’s everyday life, from the weekly shop to long-term goals.
At AS Financial, we give honest, personal advice on how to keep that income protected if illness or injury forces you to take a step back.
We help you understand the risks, balance the cover with your budget, and prioritise what matters most, whether that’s keeping the mortgage paid, covering childcare, or protecting your partner’s peace of mind.
What You Need to Know
Understanding Income Protection: The Essentials
Income protection pays a monthly income if you’re signed off work by a medical professional due to illness or injury. It’s not a lump sum, it’s a regular, reliable payout that helps you stay afloat.
You choose the level of cover.
You don’t need to protect your full salary. Many people cover just enough to keep up with key bills.
Payments are tax-free.
Unlike your salary, income protection is not taxed, meaning you may need less than you think.
You set the waiting period.
The longer you can wait before payments begin, the lower your premiums. We help find the balance.
It works alongside other protection.
Income protection can complement life insurance and critical illness cover for a full plan.
Our Process
How We Work With You
01/
Learn About You
02/
Explain Your Options
We walk you through how income protection works and whether it suits your situation.
03/
Compare Policies
We search the whole market to find cover that fits your goals and budget.
04/
Support the Application
We manage paperwork, help with medical underwriting if needed, and keep things clear.
05/
Stay With You
You’ll have ongoing support if you ever want to review or adapt your cover in future.
Following on from our mortgage advisor, we were then put in touch with Chris D’arcy, who helped me and my partner with life insurance and income protection insurance. Chris was so helpful and thorough over the phone, and helped me understand the different types of insurance cover we may need now that we have a home and a little one.
It was so much easier having Chris advise us and search for the best policy for us. I highly recommend asking for him should you be thinking about insurance, but you’re not sure how to go about it.
Leah Kershaw
Need Help
Critical Illness Cover FAQs
How is income protection different from critical illness cover?
Income protection pays a monthly income while you’re off work. Critical illness pays a one-off lump sum for serious conditions. We can help you understand how they work together.
How long does the cover last?
You choose. Some policies cover you for a set number of years, others until retirement. We’ll help you decide what fits best.
Can I get cover if I’m self-employed?
Yes – and we work with contractors and freelancers all the time. The key is how your income is structured, and we know how to present it.
Do I need to have a mortgage to get income protection?
Not at all. It’s about protecting your income, not your loan. Anyone who relies on their earnings to cover bills can benefit.