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Sickness can affect anyone, potentially hindering their ability to work. That’s where Income Protection insurance comes in handy, ensuring a steady monthly income in the event of such circumstances.
Upon a valid claim, the policy disburses a lump sum distributed in monthly installments until you can resume work or retire. During the deferred period before payments commence, individuals are expected to utilize savings, an employee sickness scheme, or an alternate income source. This waiting period can be customised when acquiring the policy, with shorter deferral periods resulting in higher monthly premiums.
Each policyholder’s terms are unique, tailored to their specific needs. As your protection and mortgage broker in York, we guide you through the entire process. The initial step involves identifying the right policy and configuring specifications to align with your individual financial situation.
While some may never need to claim on their policy, the potential risks of being without one often outweigh the associated costs. In the absence of a backup plan, changes in circumstances could leave you struggling to compensate for lost income. Our team in York is available to provide advice on Income Protection or any other insurance queries. Don’t hesitate to reach out for more information.
Many employers include this as part of their employee benefits package; as a result, some applicants might already possess Income Protection insurance. In such cases, there’s no necessity to obtain an additional policy unless transitioning to an employer without this benefit.
Individuals may choose to rely on their savings instead of procuring Income Protection. Opting for this route requires careful consideration of how one would manage living expenses in the event of illness.
If you prefer to preserve your funds and secure a policy for regular payments, Income Protection could be the optimal solution for you.
While Critical Illness insurance is an alternative, it typically covers enduring diseases or disabilities that result in permanent unemployment.
Before reaching a decision, we advise consulting with a qualified protection and mortgage advisors in York. Leveraging our expertise, we assess your unique personal and financial situation, assisting you in finding the most suitable insurance product tailored to your specific needs.
At Yorkmoneyman, we offer every customer a complimentary insurance review, regardless of their situation, and consistently provide mortgage advice in York. We thoroughly assess your personal and financial circumstances to determine if Income Protection is the suitable choice for you. Factors like your lifestyle, age, and medical history can influence the monthly premiums associated with your policy.
Income Protection insurance can be expensive, especially with a short deferred period. If you already have other insurance policies, it’s advantageous to calculate the overall costs and coverage provided.
Before finalising your policy, it’s crucial to understand the specifics, including when it pays out and the associated conditions. Your Protection Advisor in York will assist you in navigating these details.
For insurance business we offer products from a range of insurers.
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Ashlynn Hudson-Welburn
Chris Wardill was fantastic. Took all the stress out of the process, advising us and doing a significant amount of the admin and research that our house buying endeavour required. He was very amicable and knowledgeable, and made the process very straightforward for us.
20 Sep 2026
Jenny
Alex, my adviser, provided a very helpful and friendly service throughout my mortgage application. Communication was excellent, and I was kept fully informed of the progress at every stage. I genuinely think that Alex wants to find the best deal for his customers and was willing to put in the time and effort to achieve this. He was also flexible with appointments and phone calls, working around my availability, which made the process easier. I would definitely recommend Alex to anyone looking for a knowledgeable, helpful and approachable mortgage adviser.
3 Sep 2026
Chris Hall
We had excellent service from YorkMoneyman. From start to finish. Conor.Paula and Jo did a really great job for us. Explained everything so well and got us the deal we required quickly . Won't hesitate to use them again.
28 Aug 2026
Kirsty Ribeiro
Fantastic service with MoneyMan and specifically Chris and Jo We have used them since being first time buyers and remortgaging, and now with moving house They are very professional, friendly and helpful, they explain everything in plain English and answer all our questions quickly and have helped explain everything every step of the way, and made it very clear everything that is needed and why and all our options and the pros and cons of each I have recommended Moneyman to friends and family and will continue to use them again and again in the future
19 Aug 2026
Alasdair Hamilton
I haven't given 5 stars because I don't believe that anything is perfect. But I can say that I received excellent service and great communication. Our house purchase was not straightforward but the mortgage application was made simple.
29 Jun 2026
Hannah Ellam
jade and joe were great - super helpful and made the process easy for us as first time buyers:)
29 Jun 2026
Marvin van Schalkwyk
Dan was helpful, professional, and explained every step on our application clearly.
9 Jun 2026
Florence Williams
Very helpful, friendly and efficient team. Thank you for making the whole process as smooth as possible
4 Dec 2025
Loren Kinera
Tom made the entire process easy. He communicated throughout and was very quick! We will definitely be using him again and would recommend to any friends and family.
25 Sep 2025
Sarah
Absolutely brilliant service from Matt and Lizzie - both friendly , efficient and very helpful ! Highly recommend :)
10 Apr 2025
Your protection advisor in York will discuss your health history with you, gathering essential information to make well-informed decisions.
With access to a vast array of insurance products, our team will search extensively to find the most suitable coverage to protect you and your family.
Once we identify the most suitable insurance product for you, we will submit your application to the provider. On occasion, the policy provider may request additional information from us before considering your application.
For customers who have obtained their mortgage through us, we will proactively reach out to you during the remortgage process. This presents an ideal opportunity to review any existing policies you have in place.
As a specialist Mortgage and Protection Advisor in York, we know how important it is to have the right policy in place that has the correct terms and specifications to fit your personal and financial circumstances.
We have been helping clients for over 20 years now. Our team is trained, knowledgeable and hardworking; trying to find that perfect policy for you is our number one priority.
Your dedicated protection and mortgage advisor in York will be open and honest with you at all times, only recommending you a deal that benefits and suits your circumstances. From start to finish, they will be right by your side.
We have collected some excellent reviews! Take a look at what past customers have said about our service and their experience with us. Head over to our reviews page to find out more.
If you are thinking about taking out more than one insurance policy at one (menu plan), we can also help with that. Just get in touch with our team and find out more!
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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Yorkmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Yorkmoneyman 2009–2026
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