PROTECT YOUR INCOME.
PROTECT YOUR LIFESTYLE.

Your income helps support everything you've worked hard to build. But what would happen if illness or injury prevented you from working?

At Good Life Financial, we connect individuals and families across Belfast and Northern Ireland with experienced protection advisers who can help them explore income protection options suited to their circumstances.

LET'S TALK INCOME PROTECTION

WHY INCOME PROTECTION MATTERS

Your income pays for more than just your mortgage or rent. It helps cover your household bills, everyday expenses and the lifestyle you've worked hard to build.

If illness or injury leaves you unable to work, income protection insurance could provide a regular replacement income, helping you maintain financial stability while you recover.

PROTECT YOUR MONTHLY INCOME

Income protection can provide regular payments if you're unable to work due to a covered illness or injury, helping replace part of your lost earnings.

KEEP UP WITH YOUR BILLS

From mortgage payments and rent to utilities and everyday living expenses, income protection can help you manage essential costs while you're unable to work.

FOCUS ON YOUR RECOVERY

Having financial support in place can help reduce money worries, allowing you to concentrate on your health and getting back to work.

HOW DOES INCOME PROTECTION WORK?

Income protection insurance is designed to provide a regular income if illness or injury prevents you from working. The amount you receive, when payments begin and how long they continue will depend on the policy you choose.

Decide how much of your income you'd like to protect and how long you want the cover to last. An adviser can help you explore the options available based on your circumstances and budget.

CHOOSE YOUR COVER

Choose how long you'd wait before receiving payments if you became unable to work. This is known as the deferred period and can affect the cost of your policy.

YOUR WAITING PERIOD

RECEIVE REGULAR PAYMENTS

If you're unable to work due to a covered illness or injury and your claim is accepted, your policy can provide regular payments after the waiting period, subject to its terms and limits.

WHY CHOOSE GOOD LIFE FINANCIAL?

Protecting your income is about more than choosing an insurance policy. It's about having confidence that your finances could remain supported if illness or injury prevented you from working.

At Good Life Financial, we make the process straightforward by connecting individuals and families across Belfast and Northern Ireland with experienced, FCA-regulated protection advisers.

Whether you're employed or self-employed, we can help you take the first step towards exploring cover that suits your circumstances.

LET'S TALK INCOME PROTECTION

FREQUENTLY ASKED INCOME PROTECTION QUESTIONS

  • Income protection insurance is designed to provide regular payments if you're unable to work because of a covered illness or injury. It typically replaces a proportion of your earnings, helping you manage essential expenses while you're unable to work.

  • The amount depends on the insurer, your earnings and your circumstances. Many policies allow you to protect approximately 50–70% of your gross income, subject to the insurer's limits and policy conditions.

  • Yes. Income protection can be available to self-employed individuals as well as employees. Eligibility, the amount of cover available and how income is assessed will depend on the insurer and your circumstances.

  • This depends on your chosen deferred period, sometimes called the waiting period. Common options include 4, 8, 13, 26 or 52 weeks. Payments generally begin after this period if your claim meets the policy conditions.

  • It depends on the policy. Some policies provide payments for a limited period, such as one or two years per eligible claim, while others may continue until you return to work, reach the policy's maximum benefit period or reach the selected policy end age.

  • Potentially, yes. Insurers assess applications individually, and an existing medical condition may affect the cover available, the premium or any exclusions applied. An experienced protection adviser can help you explore your options.

READY TO PROTECT YOUR INCOME?

Your income supports your home, your family and your everyday life. Taking the time to explore income protection could help you prepare for the unexpected.

At Good Life Financial, we connect you with experienced, FCA-regulated protection advisers who can help you explore your options.

LET'S TALK INCOME PROTECTION