Income
protection
Maintain financial stability in the event of an unexpected health issue, with coverage tailored to your income, lifestyle, and future needs.
Because your income underpins everything else
If you’re unable to work due to illness or injury, how long could you manage without your regular income? For many people, the answer is not long, especially when household costs, mortgages, or family responsibilities don’t pause to wait for recovery.
That’s where income protection comes in. It’s designed to replace a portion of your income if your ability to work is affected by ill health, helping you stay financially secure without having to draw on savings, sell assets or rely on others. At Price Ferguson, we’ll help you find the right level of cover for your needs and build it into your wider financial plan with clarity and care.
Who we help
We advise a diverse range of clients, including self-employed professionals, company directors, salaried employees, and contractors. Some want a safety net in case of long-term illness. Others are concerned about short-term absences and maintaining regular outgoings. In every case, our goal is the same: to ensure your income is protected, your goals stay on track, and your lifestyle isn’t put on hold.
How we support your income protection goals
We begin by understanding how your income is structured, how long your employer might continue to pay you if you’re off sick, and what kind of support you’d need if your earnings stopped. This helps us determine the optimal benefit level, waiting period, and policy features to meet your specific needs.
We’ll explain the differences between short-term and long-term cover, clarify how the payout works, and help you avoid common pitfalls, such as overlapping with other insurance or missing exclusions. Where relevant, we’ll also coordinate with your other protection, such as life or critical illness cover, to ensure everything fits together smoothly.
As independent advisers, we work with the whole of the market, meaning you’ll have access to a wide range of providers and policy types.
Why income protection matters
It’s easy to take your income for granted until the day you can’t earn it. Income protection turns uncertainty into stability, giving you time to recover without the added stress of financial pressure. It’s not just for worst-case scenarios, either. Even a few months off work could derail long-term plans, especially if your financial commitments are high or you support others.
Having the right cover in place gives you breathing room when you need it most and keeps your financial goals intact, even when life doesn’t go as planned.
Why choose Price Ferguson
We bring clarity to an area that often feels confusing or overlooked. You’ll find practical advice, explained in plain language and grounded in your individual needs.
We take a holistic approach, your income protection plan will always be considered on the broader context of your finances, helping you stay resilient at every stage of life.