Your income is your biggest asset - protect it
If illness or injury stopped you working, how long could you keep paying the mortgage? Income protection replaces a portion of your salary until you're back on your feet.
Cover that pays out when sick pay runs out
Statutory sick pay is currently a little over £100 a week - and if you're self-employed, there's often nothing at all. Income protection fills that gap: a tax-free monthly income, usually 50-70% of what you earn, paid after a waiting period you choose and continuing for as long as you're unable to work.
We'll help you set the right deferred period around any employer sick pay and savings, choose between budget short-term policies and full cover to retirement, and place you with the insurer whose definitions genuinely protect you. No pressure - just a clear picture of your options.
Income protection, tailored to your situation
Right level of cover
Usually 50-70% of gross income - we size it to your real outgoings, not a one-size-fits-all figure.
Deferred periods
4 to 52 weeks - matched to your sick pay and savings so you're not overpaying for cover.
Self-employed specialists
No employer sick pay makes this cover vital - we work with insurers comfortable assessing profits and CIS income.
Own-occupation definitions
The gold standard: pays out if you can't do your own job. We'll explain exactly what each policy means by 'unable to work'.
Budget options
Short-term payment plans offer real protection at lower cost - we'll show you the trade-offs honestly.
Claims support
If you ever need to claim, we're here to help you through it - that's when advice really earns its keep.
Find out what cover would cost
Book a free consultation - tell us your occupation and rough income, and we'll come back with realistic options and prices.
Or visit our contact pageWhat our protection customers say
"I'd put off looking at income protection for years. Silver Oak explained it in five minutes flat and helped me pick cover that actually fit my budget."
"Caring, patient and never pushy. We came away with cover we understood and a plan that protects our children if anything happens to us."
"When we took out our mortgage they made sure we weren't left exposed. The whole protection conversation felt genuinely about us, not a sales pitch."