Your income protection 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 Empire Mortgages in Dunfermline, we provide expert advice ensuring you stay financially secure no matter what life brings. With over 60 years of combined experience, we’ll help you find the right level of protection for you and your family.
Income protection insurance provides you with a regular, tax-free income if you’re unable to work due to illness, injury, or disability. It helps you maintain financial stability when you need it most, allowing you to focus on recovery rather than worrying about your finances.
Here’s how it works:
It typically pays up to 60–70% of your regular income.
Payments continue until you return to work, retire, or the policy term ends.
You can choose from short-term or long-term cover depending on your needs.
Unlike some, this policy doesn’t just cover serious illnesses — it can support you for almost any medical condition or accident that prevents you from working.
Simply put, income protection gives you peace of mind knowing that your household bills, rent, and mortgage payments are covered even if your income stops unexpectedly.
Life is unpredictable — and losing your income, even temporarily, can cause significant financial stress. Income protection insurance provides a safety net so you can keep up with everyday expenses.
Key benefits include:
Maintain financial stability – keep paying your mortgage, rent, and bills.
Protect your family and dependents – ensure their security if you can’t work.
Avoid using savings or credit – reduce the need to rely on loans or state benefits.
Peace of mind – know your finances are secure, whatever happens.
For many homeowners, income protection cover goes hand-in-hand with a mortgage — providing reassurance that your home is safe, even if your income isn’t.
At Empire Mortgages, we understand that everyone’s situation is different. Our advisers take the time to understand your income, lifestyle, and financial commitments before recommending the most suitable policy.
Why clients trust us for their protection advice:
We’ll guide you every step of the way, from comparing policies to setting up your cover, ensuring you get the right protection at the right price.
We offer advice across a wide range of options to suit different needs and budgets:
Short-Term Income Protection – covers you for a set period, usually 12–24 months.
Long-Term Income Protection – provides ongoing payments until you can work again, retire, or reach the end of the policy term.
Accident & Sickness Cover – protects your income if you can’t work due to illness or injury.
Self-Employed Protection – tailored cover for contractors, freelancers, and business owners who don’t receive employer sick pay.
Speak to a Protection Specialist Today to find the right cover for your circumstances.
Our process is simple, transparent, and designed around you.
Initial Consultation – we discuss your financial situation and what you want to protect.
Market Search – we compare leading insurers and available policy options.
Personalised Recommendations – we explain your best-value choices clearly and simply.
Application Support – we complete the paperwork and ensure your cover is set up correctly.
You’ll get expert guidance every step of the way, so you can make an informed choice with confidence.
As trusted mortgage and protection brokers based in Dunfermline, we understand how important financial security is for local families, professionals, and business owners.
Whether you’re employed, self-employed, or managing multiple income streams, our advisers can help you find the income protection policy that fits your life.
We serve clients throughout Dunfermline, Fife, and across Scotland — combining local knowledge with whole-of-market expertise.
Your income powers your lifestyle — make sure it’s protected.
Whether you’re employed, self-employed, or running a business, Empire Mortgages will help you find the right policy to safeguard your future.
Book Your Free Consultation with Empire Mortgages Today
It covers loss of income if you can’t work due to illness, injury, or disability — paying a regular income to help cover essential living costs.
Most policies cover between 60–70% of your gross income, but the right amount depends on your financial commitments.
Depending on your policy, payments can last for a fixed term (e.g., 12–24 months) or until you return to work, retire, or the policy ends.
Yes — it’s especially important for self-employed individuals who don’t receive sick pay from an employer.
Income protection pays a regular income while you’re unable to work. Critical illness cover pays a one-off lump sum if you’re diagnosed with a specified serious illness.
Refer a Friend Scheme
Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
Registered in Scotland under reference SC545434
Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
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