Income Protection Insurance

Insurance that exists to safeguard a proportion of your gross income (typically 60%) to support you in the event that you are ill or injured and are unable to work.  Unlike Life Insurance or Critical Illness cover, which pay lump-sum payments, income protection provides a regular monthly payment.  While lifestyle adjustments may be required, the cover is designed to ensure you can continue to meet core, committed financial obligations, such as mortgage payments and essential household costs. 

Income Replacement

In the event that you suffer illness or injury that would be severe enough to prevent you from working, IP provides a regular monthly defined income amount (usually up to 60% of your regular gross income from employment) to help by replacing that proportion of your earnings.

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Financial Security

The purpose and benefit of this is to ensure you can meet the financial comittments that are essential for you and dependents to continue make payments for those essentials, such as mortgage / rent, household costs and everday living expenses.  It can often mean that those covered are assured of the security of being able to make those essential payments and, for example, remain in their property.

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Long-term Protection

Depending on the specifics of the policy selected, payments may continue for an extended period, should the insured be unable to return to work.  This provides important financial assistance if the period away from employment is prolonged. 

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Get an Income Protection Insurance Quotation from Evolve

Our team of experienced Advisers will work to determine the level and duration of cover, to ensure that you have peace of mind, knowing there is a financial safety net that could reduce the strain of financial concerns during a period of being unable to work.

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Cat D.
2 months ago
Evolve offers top notch support with financial planning in an age of information overload. Growing up with a parent in a similar family-run financial planning business, I have huge appreciation for the bespoke, customer focused level of service that Evolve and companies of its nature offer. The peace of mind that you are granted from their support is truly worth its weight in gold. Cannot recommend highly enough!
Kim W.
3 months ago
Thank you Ben, you made the home buying process so clear and stress-free. Would recommend Evolve to anyone!
Fiona B.
8 months ago
Ben did a very thorough job throughout the entire process and made sure every detail was carefully handled. Communication was excellent from start to finish – they kept me well informed and were always quick to respond to any questions. Their attention to detail and professionalism really stood out, which made the whole process much smoother and less stressful. I would definitely recommend their services to anyone looking for reliable and knowledgeable mortgage advice.
Misha M.
8 months ago
Very grateful to Ben for the brilliant support throughout the process of securing my first mortgage! As a freelancer and a first time buyer I was really nervous but he was really patient and knowledgeable, taking time to explain the process and discussing my options and how to get myself in the strongest position. Can't recommend Evolve highly enough for anyone looking for financial services!
Brett C.
11 months ago
Would highly recommend. Made what should’ve been an extremely stressful time incredibly simple and straight forward. Very personable service with great communication.
Ross M.
1 year ago
Brilliant experience working with Ben on securing our mortgage. He worked tirelessly to get us the best deal and was always available to discuss, even though we were calling from Australia! His calm, professional, advice left us feeling very confident that we’d secured the best deal. Thanks again, Ben.
Arran M.
1 year ago
Ben was very helpful throughout the entire process of buy a first home, would definitely recommend
Kevin S.
1 year ago
I have used this company for many years now and i cant say anything bad at all about them. I have been dealing with ben and wouldnt use anyone else, he always keeps you right so you know exactly where your at and what to do. He knows his stuff and is happy to help you anytime you need. Not a long review but they are the best mortgage advisors i have dealt with would never change and highly recommend them to anyone who is buyimg or moving house.
Jamie F.
1 year ago
Evolve helped me and my girlfriend purchase our first home. Ben done as much as he possibly could to help us with everything he could, making the whole process run smoothly and would highly recommend to everyone.
Saffy M.
1 year ago
Murray has been amazing helpful in getting me my first mortgage enabling me to buy my first home. He’s also helped set me up with personal protection that works for me.

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We understand the importance of personal relationships with any financial advisor. Before we make any recommendations to you, we like to understand your personal, employment or business needs to give holistic and rounded advice that suits you. Let's start with an initial, free, no-obligation chat...