       
 
 
 5.0 
   Top Rated Service 2026
 verified by Trustindex 
 Trustindex verifies that the company has a review score above 4.5, based on reviews collected on Google over the past 12 months, qualifying it to receive the Top Rated Certificate.

Income Protection Insurance Quotes

Income Protection Insurance

Have you considered how you’d cope financially if you couldn’t work? Income protection provides regular payments that replace part of your income if you can’t work due to illness or injury.

INCOME PROTECTION QUOTE CONTACT OUR TEAM

    
 
 
      Posted on Google  
   
   Claire Privett 
 8 October 2026
 
 
 Trustindex verifies that the original source of the review is Google. Olivia has been so helpful at giving me financial advice that helps me to understand it all! Recommend!
  
 
     Posted on Google  
   
   Molly Johnson 
 19 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Wouldn’t go anywhere else! Holly made me feel at ease throughout the process and was very professional.
  
 
     Posted on Google  
   
   harry crockford 
 18 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Holly made the process of consolidating my pension and setting up regular contributions easy.

Kieran was extremely helpful in sorting out my income protection and was very flexible in finding a time that worked around my schedule to talk.

Would highly recommend
  
 
     Posted on Google  
   
   Elena Crockford 
 18 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great experience with Beals, would recommend! Holly helped my husband with setting up his pension - she answered all our questions & was really helpful. Kieran also set up our protection and the whole process was seamless. Thankyou!
  
 
     Posted on Google  
   
   Richie Roser 
 16 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. 20 years we've been with Christine and she's never let us down. She's sorted everything for us over the years, the mortgage, protection, and now we're looking at equity release. What I like is she doesn't rush you or blind you with science, she just talks you through it. Any question and she's straight back to you. Lovely lady, can't recommend her enough.
  
 
     Posted on Google  
   
   joe tolster 
 14 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great service, Christine was very polite, friendly and responses were always swift. Even keeping an eye on our application whilst returning from holiday.
Highly recommend
  
 
     Posted on Google  
   
   Susan Newman 
 11 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. If anyone is looking for a Mortgage I would thoroughly recommend Christine, she goes above and beyond looking at all options available to suit your needs.
  
 
     Posted on Google  
   
   joe Davis 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Christine has managed our mortgage for several years since we moved into our first home. She makes the process incredibly easy and understandable and goes above and beyond to ensure everything stays stress-free. We highly recommend her to anyone.
  
 
     Posted on Google  
   
   Tony Lawrence 
 10 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Always helpful. Highly recommended 😊👍
  
 
     Posted on Google  
   
   Oliver Sourmenidis 
 9 September 2026
 
 
 Trustindex verifies that the original source of the review is Google. Clare Cheeseman has been exceptional to deal with in helping us secure our mortgage and additional services provided. She is always on hand to offer her help & support and compared to other advisors we dealt with was happy to go the extra mile to ensure we had secured the best product that we were comfortable with. She responds to any queries we have had very quickly and is a credit to the Beals wealth management team, would highly recommend! Thanks Again Clare for all your help :)

What Is Income Protection?

Income protection provides regular payments that replace part of your income if you can’t work due to illness or injury. Most policies pay 50–65% of your pre tax salary and continue until you can return to work, retire, die or the policy term ends. You can claim more than once while the policy is in force.

How Does Income Protection Work?

Deferred period: Payments typically start after a waiting period of 4–52 weeks (you choose this when you take out the policy). Longer deferment periods generally lower your premiums.

Benefit amount: Insurers usually cover 50–65% of your earnings – enough to pay essential bills without incentivising prolonged absence from work.

Policy term: Cover usually continues until your normal retirement age or a chosen end date. Short term policies may pay out for only a few years.

Income Protection vs Other Protection Policies:

Income protection is designed to replace your salary if you can’t work because of illness or injury. It is not the same as critical illness cover (which pays a lump sum on diagnosis of certain illnesses) or redundancy insurance (which covers involuntary job loss). Some short term income protection policies will not pay out if you lose your job.

INCOME PROTECTION QUOTE

Do You Need Income Protection?

Income protection can be valuable if:

You would struggle to pay the mortgage or bills if you couldn’t work.

Your employer offers limited or no long term sick pay.

You’re self employed or a contractor and have no employer benefits.

You want ongoing income rather than a single lump sum (which is what critical illness cover provides).

It might be less important if you have sufficient savings or access to other income sources to cover long periods off work.

Income Protection Cost Factors

Premiums are influenced by your age, occupation, smoking status, health, the percentage of income you wish to insure, the deferred period and the range of illnesses covered.

Insurers may offer own occupation, suited occupation or any occupation definitions – own occupation cover typically costs more but pays out if you can’t do your specific job.

INCOME PROTECTION QUOTE

Top Tips When Considering Income Protection:

When considering a new income protection insurance policy, we recommend:

Be honest about your medical history: Withholding information could invalidate your claim.

Choose the right definition of incapacity: Decide whether you need own occupation, suited occupation or any occupation cover.

Read the small print: Understand exclusions and limitations before committing.

Cooling off period: You have a minimum of 30 days to change your mind.

Review your cover regularly: As your salary and responsibilities change, adjust your policy

Advice and Next Steps

Choosing the right deferred period and benefit level is crucial. Beals protection advisers can help you compare policies and select the cover that matches your circumstances.

Speak to a Beals protection adviser for a free income protection quote.

INCOME PROTECTION QUOTE PROTECTION SERVICES

FAQ: Frequently Asked Questions for Income Protection Insurance

Is Income Protection Worth It?

Income protection can be worth it if:

You rely on your salary to pay your mortgage and bills.
You don’t have large savings.
Your employer offers limited sick pay.
You’re self-employed.

Many people insure their homes and cars but not their income, even though your income is what pays for everything else.

How Much Income Protection Cover Do I Need?

Most providers allow you to cover 50–70% of your gross income.

When calculating how much you need, consider:

Mortgage or rent
Utilities and bills
Debt repayments
Food and household costs
Childcare
Existing sick pay benefits

Our protection advisers can help tailor the level of cover to your personal circumstances.

How Much Does Income Protection Cost?

The cost of income protection depends on:

Your age
Your health
Your occupation
Smoking status
Level of cover
Deferred period
Policy length

For many people in their 20s and 30s, income protection can cost less than a monthly streaming subscription.

Free Income Protection Insurance Quotes

Fill in your details below and one of our experienced advisers will be in touch to discuss your Income Protection quote, your options, and answer any questions you may have.

Our consultations are free and without obligation. If you decide to proceed with our advisers recommendations, a fee may apply but we’ll always be transparent and discuss any costs with you.

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