Income Protection
Income Protection
Safeguard Your Income if You Can’t Work
If illness or injury stopped you from working, how would you cover your bills? Income protection insurance provides a regular income if you’re unable to work due to sickness or accident, helping you maintain your lifestyle and meet essential payments.
At Alphakey Mortgages, we offer whole-of-market advice on income protection policies across the UK. We’ll help you find a policy tailored to your occupation, earnings, and needs—so you can protect your income with confidence.
Income Protection FAQs
How does income protection work?
It pays a regular monthly benefit if you’re signed off work due to illness or injury—until you recover, return to work, or reach the end of the policy term.
How much will it pay me?
Most policies pay out up to 50–70% of your pre-tax income. We’ll help you find a level of cover that suits your earnings and expenses.
What’s the difference between income protection and critical illness cover?
Income protection pays out monthly while you’re off work. Critical illness cover gives a one-off lump sum if you’re diagnosed with a serious illness.
Is it worth it if I’m self-employed?
Absolutely. Income protection is especially valuable for self-employed people who don’t receive sick pay or employer benefits.
How long does it take to get cover?
Once we’ve reviewed your details, we can typically arrange a policy in just a few days, depending on underwriting.
Income Protection For Your Peace of Mind
Get Paid if You Can’t Work
Replaces a portion of your income if illness or injury stops you from working.
Flexible Waiting Periods
Choose how soon payments start based on your savings and sick pay.
Ideal for the Self-Employed
A must-have if you don’t receive sick pay from an employer.
Protect Your Lifestyle
Stay on top of bills, rent or mortgage payments—even during long-term illness.
Our Mortgage, Lending & Protection Services
Residential Mortgages
Access to residential mortgages from all UK lenders.
Buy-To-Let Mortgages
Buy-to-let, limited company, HMO, and holiday let mortgages.
Specialist Lending
We offer flexible lending solutions for unique situations
Mortgage Protection
Cover your mortgage if life takes an unexpected turn.
Life Insurance
Protect your family’s future, no matter what.
Insurance & Protection
Personalised cover for life, income, health, home, and more.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Commercial Mortgages are not regulated by the Financial Conduct Authority.
Commercial Mortgages are not regulated by the Financial Conduct Authority.