Craig was 41, self-employed, and had just bought his second property. A serious illness meant he couldn’t work for six months. His income protection policy — structured correctly — replaced 75% of his income from week four.
- Mortgage: paid
- Business: kept running with locum cover
- Family: no financial stress layered on top of a health crisis
“I remember Mike telling me to get the right policy, not the cheapest one. I understood why six months later.”
Income protection isn’t optional for the self-employed.
If your income stopped tomorrow, how long before the mortgage started to feel it? We model that number for every client. It’s usually smaller than they’d like.