Imagine not being able to work for several months—would your income still cover your mortgage, bills, and everyday expenses? At Empire Mortgages, we believe that protecting your income is just as important as securing your home. With our expert advice and access to the whole market, we can help you find an income protection policy that gives you peace of mind when life doesn’t go to plan.
Income protection is an insurance policy that provides a regular monthly income if you’re unable to work due to illness, injury, or accident. It helps you maintain your lifestyle, pay your bills, and support your family while you recover.
Unlike critical illness cover or life insurance, income protection isn’t a one-off lump sum. It pays out tax-free monthly payments—usually a percentage of your normal salary—until you return to work or reach the end of your policy term.
Income protection is designed to be flexible and tailored to your needs. Here’s how it typically works:
We’ll help you understand all the moving parts and design a policy that works for your situation and budget.
At Empire Mortgages, we don’t just sort out mortgages—we protect what matters most. Our protection advisers will:
Our goal is to make sure you’re covered for life’s unexpected turns—so you can focus on recovery, not money worries.
For most people, your income is your most important asset. But if it suddenly stopped, could you:
Many people assume their employer or the government will step in—but in reality, statutory sick pay or savings don’t go far. Whether you’re employed, self-employed, or a contractor, income protection provides a financial lifeline when you need it most.
Life can be unpredictable, but your finances don’t have to be. Let’s make sure that if you can’t work, your income keeps working for you. Contact us today.
Yes, many insurers offer policies specifically for self-employed individuals. We’ll help find one that suits your income structure.
You can tailor your policy to begin when your sick pay ends. It can work alongside employer benefits.
It depends on your age, health, job, and the level of cover. We’ll work with your budget to find an affordable option.
Yes, this is called the deferment period. You choose how long you wait before the payments start—typically 4 to 26 weeks.
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.
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