Unexpected illness or injury can put your finances at risk. Income protection insurance provides a tax-free monthly payment if you’re unable to work, helping you cover your mortgage, bills, and lifestyle — so you can focus on recovery, not finances.
As a regulated adviser, I provide personalised income protection advice for self-employed professionals, contractors, freelancers, and anyone without long-term sick pay, helping you secure the right cover for your circumstances.
Income protection insurance pays a monthly benefit, usually 50–70% of your income, if illness or injury prevents you from working.
It can help cover:
Ideal for: Self-employed individuals, contractors, freelancers, or anyone without long-term sick pay.
“Income protection is about keeping your finances secure while you focus on getting better — not worrying about bills or mortgage payments.”
Even short-term illness can create financial pressure. Income protection helps you:
Unlike life cover or critical illness cover, income protection provides ongoing support while you’re unable to work.
Your income, expenses, and work circumstances can change over time. Review your policy if:
Regular reviews ensure your cover remains suitable, affordable, and effective.
Not all income protection policies are the same. Some may:
I provide regulated, expert advice to ensure you:
I guide you step by step to make securing cover simple:
1️⃣ Initial Review – Assess income, work situation, and protection needs
2️⃣ Policy Comparison – Find the most suitable policies for your circumstances
3️⃣ Clear Recommendation – Explained in plain English
4️⃣ Application Support – Guidance through underwriting and paperwork
5️⃣ Ongoing Support – Assistance with reviews or claims
Simple. Transparent. Stress-free.
Typically 50–70% of your gross or net income, depending on the insurer.
Policies include a waiting period, usually 1–12 months.
Until you return to work, reach retirement age, or the policy term ends.
Yes. Advice is FCA-regulated, ensuring it is **suitable, transparent, and in your best interest**.
Middleton Finance is a trading name of Daniel Bailey who is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.
Still have a question? Get in touch.
Whether you’re arranging income protection for the first time or reviewing an existing policy, I provide expert, clear, and compliant advice to protect your income, mortgage, and family.