What is income protection cover and do I need it?

Income Protection is going to ensure you can still pay your bills and keep your lifestyle if you are unable to work due to sickness or accident.

You may have savings that could be used to pay your monthly cost, but for how long? And do you want to use your savings to cover your bills? You need to think carefully about whether you want to rely on them and if they can cover a long period of ill-health or if you were to face another emergency which would use up your savings and leave you with no cover.

If you are employed, self employed or receive sick pay but only for a limited time, then please get in touch today to discuss how we can protect your income to avoid financial difficulties if you are sick.

Can you survive without your income?

If you were unable to go to work due to sickness or injury, would you still be able to cover your monthly bills? If you are self employed or your employer does not offer you full sick pay for the entirety of your time off, then you need to consider how you would be able to afford your outgoings.

Income Protection, also known as sick pay cover, is a product that will pay you a regular income if you are ever off work due to an accident or an illness. Giving you peace of mind that if you’re unable to work your bills will be covered, your credit score protected, and your home and lifestyle can remain the same whilst you are unable to work.

Get Expert Financial Advice

Sturgess Mortgages Solutions Ltd provide professional mortgage services to customers in Swansea, Wales. Please book an appointment or come and visit us at our office. Alternatively, you can book a callback.

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Shaun Sturgess from Sturgess Mortgage Solutions

Customer Reviews

Our mission is, and always has been, to serve our customers interests by providing an honest and totally transparent service, making all communications easy to understand and adopting a fair and easily understood charging policy.

Shaun and his team are fantastic. myself and partner had a very complex case in securing a mortgage, if it wasn't for Shaun we would of given up... Full Review

Jade

13 October 2023
Shaun has been amazing during the process of buying our second home as he was with our first home... Full Review

Katie

27 September 2023
Shaun has been amazing as always and his team with my new mortgage... Full Review

Andrew

27 September 2023
Helping to remortgage and take it off my hands and good advice... Full Review

Carys

27 September 2023
When we met Shaun, his advice was so easy for us to understand and we felt more confident in finding a new Mortgage. Shaun had the patience to... Full Review

Jonny

27 September 2023
Shaun and his team have supported my daughter with her first home along with achieving a great fixed rate deal for me... Full Review

Carl

27 September 2023
Shaun has been so helpful and always approachable, he's super knowledgeable and when we did have questions going into a meeting, Shaun would answer... Full Review

Rhodri

27 September 2023
Shaun has gone above and beyond to help us right from the beginning to end of the process. Shaun not only helped with getting us an agreement in... Full Review

Olivia

27 September 2023
Shaun has followed up and been on hand for any advice we needed. He has also made himself available for additional queries around remortgage should... Full Review

Kayleigh

27 September 2023
Shaun has been extremely helpful in getting a mortgage for our new home. His expertise was invaluable in obtaining an appropriate mortgage offer,... Full Review

Dominik

01 November 2022
Best of the BEST! Shaun helped us to go through our first application years ago, he helped us again with remortgaging our house, and now he helped... Full Review

Martyna

01 August 2022
Shaun was brilliant. Me and my girlfriend will highly recommend him to all friends and family. He’s like a mortgage advisor and solicitor... Full Review

Ross

10 April 2022