Your income is one of your most valuable assets. It pays your bills, your mortgage, and supports your lifestyle. But what would happen if illness or injury stopped you from working?
At Rosa Mortgages, we offer clear, expert advice on income protection insurance — helping you stay financially secure when life takes an unexpected turn. We’ll help you find the right policy that provides peace of mind, knowing you’ll still have an income even if you can’t work.
Income protection is designed to replace a portion of your income if you’re unable to work due to illness or injury. It pays out a regular monthly benefit (usually between 50–70% of your salary) until you’re well enough to return to work, reach retirement, or your policy ends.
Unlike short-term sick pay from your employer, income protection insurance provides long-term security — helping you keep up with your mortgage, household bills, and everyday expenses while you recover.
There are two main types of cover:
At Rosa Mortgages, we’ll help you understand your options and choose a policy that matches your needs, lifestyle, and budget.
Having Income Protection Insurance offers several key benefits:
Most people rely on their income to cover their essential living costs — yet few have savings that could last more than a few months. If you were suddenly unable to work, how long could you keep up with your financial commitments?
Income protection insurance gives you peace of mind by ensuring that, even if you can’t work, your financial stability remains intact.
Here’s why it matters:
For individuals and families in Southport and across the North West, income protection offers invaluable reassurance during uncertain times.
Designed to cover you for a limited period, usually between 6 months and 2 years. These policies are affordable and provide quick financial relief while you recover from illness or injury.
Provides ongoing support until you’re able to return to work, reach retirement age, or the policy term ends. This is the best choice if you want lasting financial security.
Focuses on short-term protection following an accident or illness. Payments usually begin after a short deferment period and can help bridge the gap until you return to work or receive employer benefits.
With income protection insurance, you’re not relying solely on your employer’s sick pay — you’re taking control of your financial wellbeing.
At Rosa Mortgages, we believe in making protection advice personal and straightforward. We’ll take the time to understand your circumstances, budget, and priorities before finding an income protection policy that fits perfectly.
Here’s what you can expect from us:
With Rosa Mortgages, you’ll have expert protection advice that’s easy to understand and tailored to what matters most — your financial peace of mind.
We can help you build a complete protection plan that covers every part of your financial life:
Our aim is to make sure that, whatever happens, you and your family are financially secure.
Anyone who relies on their income to pay for living expenses should consider this type of insurance. This includes employees, self-employed individuals, and business owners. It is particularly important for those without substantial savings or other financial support.
Most policies cover a wide range of conditions, including physical illnesses, injuries, and mental health issues. However, the specific conditions covered can vary between policies, so it’s important to review the terms and exclusions carefully.
The amount of cover you need depends on your financial situation, including your monthly expenses and any other sources of income or savings. A common approach is to cover around 50- 70% of your gross income, but our advisers can help you determine the right amount based on your needs.
Premiums for Income Protection Insurance are calculated based on several factors, including your age, health, occupation, the amount of cover, the waiting period before benefits start, and the benefit period. Higher-risk occupations or longer benefit periods typically result in higher premiums.
The waiting period, or deferred period, is the time between when you become unable to work and when you start receiving benefits. Common waiting periods range from 4 weeks to 26 weeks. Choosing a longer waiting period can reduce your premiums, but it’s important to ensure you have enough savings to cover expenses during this time.
Your income powers everything — your home, your family, your future. Protect it with confidence through income protection insurance.
At Rosa Mortgages, we make it simple to understand your options and secure the right policy for your needs. Whether you’re employed, self-employed, or running your own business, our friendly team will help you stay financially secure — whatever life brings.
Contact Rosa Mortgages today for expert advice on income protection and safeguard your financial future.
