Income Protection Insurance Advice in Swindon and Nationwide
What would happen if you were too ill or injured to work for a long period of time?
For many people, losing their income—even temporarily—could have a devastating effect on their financial stability. That’s where income protection insurance comes in. It’s designed to provide a regular income if you’re unable to work due to illness or injury, helping you stay on your feet financially while you recover.
At Mather & Murray Financial, our advisers in Swindon and across the UK offer expert, independent advice on income protection—tailored to your needs and circumstances.
Why Consider Income Protection Insurance?
Maintain Your Standard of Living
If you're unable to work due to a health condition, income protection provides a monthly benefit—often up to 60% of your salary—to help cover essential expenses like rent or mortgage payments, bills, groceries, and other living costs.
Example:
James, a 36-year-old self-employed electrician in Swindon, broke his leg and couldn’t work for 5 months. His income protection plan paid him a tax-free monthly benefit, helping him pay his mortgage and household bills until he was back on his feet.
Who Is It For?
Self-employed? Small business owner? Work in a specialist trade?
Income protection is especially important if you don’t have access to sick pay or long-term employer benefits.
Whether you're a contractor in Bristol, a teacher in Cardiff, or an engineer in Manchester, we can help you find a plan that works for your income, lifestyle, and budget.
How It Works
Choose a waiting period (e.g. 4, 8, or 13 weeks) – this is how long you wait before the policy pays out.
Monthly income benefit – paid until you return to work, reach retirement age, or the end of the policy term.
Covers most illnesses and injuries that stop you from working, subject to terms.
Unlike critical illness cover, which pays out a lump sum for specific conditions, income protection covers a much broader range of issues and pays monthly—helping with real-world costs while you recover.
Long-Term Support and Peace of Mind
Income protection policies can cover you for short-term absences or provide long-term coverage, right through to retirement age. It can be a lifeline for those who experience chronic health conditions, serious injuries, or mental health issues that stop them working for extended periods.
Customised to You
We’ll help you choose:
The right waiting period before your policy starts paying out
A suitable benefit period (e.g. 2 years or until retirement)
Affordable premiums based on your occupation, age, and health
We work with the whole of the market to get you the best deal—and we’re based in Swindon, with advisers nationwide.
Why Use an Adviser?
With so many options, features and exclusions, getting advice is essential. As independent financial advisers, we can:
Explain the fine print
Recommend the most appropriate providers
Ensure you’re fully covered
Avoid unnecessary exclusions or overpaying for cover
Ready to Protect Your Income?
Whether you're in Swindon, Bristol, Cardiff or anywhere across the UK, we’re here to help. Book a CALL BACK with one of our expert advisers today and take the first step toward financial peace of mind.
Remember: A mortgage is usually your largest monthly expense. Could you keep paying it if you were off work for six months or more?
