Frequently asked
questions.

Getting your application started is quick and simple. A ten-minute call with one of our experts it all it takes for us to understand what you’re looking for. We will then apply on your behalf. 

There are different ways you can start the process.

For your immediate online income protection quote, click HERE. 

To speak to someone about your needs and to ensure you receive the protection that is right for you, call one of our friendly advisors on 0333 355 2468. 

Or book an appointment HERE

We will do everything we can to get you covered quickly. It is possible to set up short-term protection on the same day, if you have a clean medical history.

The process may take a bit longer if you are looking for long term protection or if you have pre-existing medical conditions. 

There are not costs associated with applying for income protection cover, even if you decide that what we are offering isn’t right for you.  

Any insurance offer that we are able to provide needs to consider any medical conditions that you may have.

It is imperative that you are honest about your medical history and that you inform us of any pre-existing medical conditions.   Our insurers can cover most medical conditions (including Diabetes) but premiums may increase in line with any conditions that you may have.

Our insurers can cover most medical conditions (including Diabetes) but premiums may increase in line with any conditions that you may have.

Yes. Our insurers will cover most medical conditions (including Diabetes). Each insurer may treat pre-existing conditions differently however so it is best to give us a call to determine which may be the most appropriate option for your circumstances.

Insurance costs may increase if you are a smoker.  It is important to declare if you smoke to ensure that your policy is reliable if you need to make a claim.

Income Protection is an insurance that clients usually buy in order to provide a long-term peace of mind.  Clients frequently purchase a policy to provide financial security alongside a long-term financial commitment such as a mortgage or a loan. 

All policies have a minimum cover period that can be tailored to protect you for a certain period of time (i.e. until a mortgage or loan is re-paid).  The cost of cover can be fixed if you plan ahead and inform us how long you plan to keep your cover in place.

Income Protection is completely flexible and can be changed at any time during the life of your policy.  It is really important that you contact us to update your policy if your circumstances change.  Common changes may be if your salary increases or decreases to ensure the amount of salary insured is accurate and makes any claim easy to process should you have an accident or fall ill.

Many of our Income Protection providers understand that, from time-to-time life can throw us a curve ball.  Don’t panic, we’re here to help and many policies can be put into “payment holiday” status until you get back on your feet.  Whilst you wouldn’t be covered for accident or sickness cover during this time, it does mean that you don’t have to re-apply for cover once you find new employment. 

Yes, you can cancel your policy at any point in time.

Please call our helpline on 0333 355 2468 or alternatively, write to us at:

Customer Services Team
Protect My Income
Mallory House
Goostrey Way
Mobberley
Cheshire
WA16 7GY

Claims are made directly with the insurance provider and a quick call to the claims handling team is all it should take to get the ball rolling.

If you would like a little extra guidance we are on hand to help, please give our customer support team a call on 0333 355 2468.