Income protection insurance will pay a regular income if you're unable to work because of sickness or disability. It will continue until you return to paid work or you retire.

The amount of income you're allowed to claim won't replace the amount of money you were earning before you had to stop work. It is a monthly benefit that pays up to 75% of your income while you're unable to work, based on your earnings prior to making a claim. It can be particularly beneficial if you’re self-employed and don’t receive sick pay.

For insurance business we offer products from a choice of insurers.

  • "We received exceptional service from Karen and Megan. We'd be lost in the whole property purchase and insurance process without them, but they made us feel safe and assured. Highly recommend their services and will use them again."

    Ivana Polackova
  • "Karen and Megan have been instrumental in getting a great deal for our mortgage and insurance for our new home! Very attentive and understanding. Wouldn't go anywhere else."

    Christopher Sharp
  • "Amazing service from Megan and Karen who found a great product for our needs. Megan was exceptional in keeping us regularly updated throughout the process. Would highly recommend, always on hand to answer any questions and share their knowledge of the current market and recommending the best options."

    Aileen Howie
  • "Great expert advice from the team. Proactive service delivering great results. Well done and highly recommended."

    Mike Still
  • "Karen and Megan provided us with an amazing service throughout our property search, mortgage application and insurance search. They kept us informed about every step of the process and always made time when we had a question. Thanks for all your help and can’t recommend highly enough!"

    I F
  • "Excellent Service. Karen did a marvellous job, available whenever required (I talked to her almost for 10hrs in total on calls). She had good knowledge on different mortgage products even on insurance."

    Amit Bhatt
  • "Great company to deal with. Very attentive and professional. Would highly recommend."

    David Facenna
  • "Stephen Marlin never fails to make an incredible job of all he does for us. So pleased we are able to work with such a great adviser on all our financial needs. The rest of the team have also been great in assisting us too."

    Richard Stephenson
  • "We had great service from Karen and Rajnee from the very beginning, always happy to help and made the complete process stress free. We would highly recommend and 100% would use them again in the future."

    Rachel Scott
  • "I can't recommend this company high enough. Very informative. Always got back to me and kept me at ease with any questions. Lovely to chat to. Never once did I feel left out. Shall definitely be returning in the future."

    Paul Edwards
  • "Very helpful, friendly and always able to answer any questions."

    Hamish MacLellan
  • "Great service, Stephen and Rajinee were both very nice and helpful, patiently explaining everything in detail, being completely transparent and giving excellent personal advice, and providing regular updates."

    Xavier Bernard

    How does income protection work?


    Income Protection provides regular payments that replace part of your income if you’re unable to work due to illness or an accident. This is typically between 50% and 75% of your income.


    Income Protection will pay out until you can start working again - or until you retire, die or reach the end of the policy term - whichever is sooner. It can be claimed as many times as you need to while the policy lasts.


    Income Protection covers most illnesses that leave you unable to work - either in the short or long term (depending on the type of policy and its definition of incapacity).

    Lady with glass or orange juice sitting on sofa

    What's a deferred period?

    There’s often a waiting (‘deferred’) period before the policy starts to pay out. The most common deferred periods are 4, 13, 26 weeks, a year and two years. The longer you’re able to wait, the lower the monthly premiums.

    Before deciding on your deferred period, you should first find out what other benefits you’re entitled to if you’re unable to work. For example, some employers have group income protection insurance in place for employees. Always look at your sick pay arrangements in your contract of employment first as this as may help you align your deferred period with the point when your income drops.

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    How long does it last?

    Most income protection insurance policies are short-term as they pay out for a set period, usually up to two years.

    Long-term income protection is available too and will provide a regular income for a longer, pre-agreed period or until you are well enough to return to work. Unlike most short-term income protection policies, it will generally not cover you if you are made redundant.

    A policy with an 'own occupation' definition of incapacity is the most comprehensive you can choose as it will allow you to make a claim if you become too ill or injured to carry out your specific job and its associated tasks.

    A policy with a 'suited definition' is less comprehensive and may require you to take on a different job role if you’re unable to do your own.

    Lady sitting at breakfast bar working on her laptop

    How much cover should I Have?

    Depending on the level of savings you have, the loss of an income can soon leave you unable to pay essential household bills. You should think carefully about how much you need each month to get by, so that you don't end up under-insured.

    Make sure you consider all your essential monthly outgoings such as your mortgage, food, council tax, utility bills, car finance and any unsecured borrowing.

    At Rettie we understand.

    At Rettie Financial Services we understand that everybody’s situation is different. That’s why we’re with you every step of the way. Whatever your mortgage, insurance or other financial needs, and however complex your circumstances, we have the expertise and experience to provide a tailored service that will deliver for you.

    Outstanding Customer Service

    Rettie Financial Services excels in expertise, speed, and customer satisfaction. Our commitment to you extends beyond mere transactions, providing both financial and emotional support throughout your journey.

    Personalised Solutions

    We bring a personal touch to every interaction, taking time to understand and address your unique financial needs. No matter how complex and intricate your insurance or protection needs, we have the experience and knowledge to identify and deliver an innovative personal solution that’s right for you.

    A Proven Approach

    Our highly experienced Mortgage & Protection Advisors have a proud track record in delivering a supportive, quick and hassle-free service, as shown by a constant stream of 5 star reviews from our satisfied clients.

    Rettie Financial Services Ltd is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.

    Rettie Financial Services Ltd. Registered Office Address: Deuchrie, Dunbar, East Lothian, United Kingdom, EH42 1TG. Registered in Scotland Number: SC711925.

    There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.

    For insurance business we offer products from a choice of insurers.

    Your home may be repossessed if you do not keep up repayments on your mortgage.