Income Protection

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What is Income Protection Insurance?

Income protection insurance is designed to provide a regular income if you were to suffer an accident or illness that leaves you unable to work, or if you find yourself unemployed.
There are two main types of income protection insurance:

  • Accident, sickness, and unemployment insurance: Designed to cover you in the short term. These policies will generally pay out for one or two years only.
  • Long-term income protection insurance: Aimed at sufferers of long-term illnesses who may not be able to earn for a prolonged period. These policies will pay out until you are well or until the end of the term.
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Why do I need income protection insurance?

Income protection insurance can ease the burden of a lost wage, helping you to stay up to date with your financial commitments, such as mortgage repayments. This kind of protection can be essential if you are the main income provider in your household.

Many policies will still provide support if you go back to work at a reduced capacity with lower pay. This allows you to focus on your recovery and spending quality time with those that truly matter.

What’s more, if you’re applying for a mortgage, many providers require income protection insurance before they will agree your contract. We can help you to apply for both at the same time.

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How can The Mortgage Genie help?

With years of experience in providing clients across the UK with personalised insurance packages, our advisers are here to help you to navigate through the complex web of income protection insurance.

We have access to a wide range of income protection policies, available from our selected panel of insurance providers, so you can be confident that we will recommend a quality product from a reputable company.

Our dedicated team will tailor your income protection cover to suit your needs. With our team on the case, you can sit back and relax, safe in the knowledge that you have the experts on the job and there’ll be no shock surprises down the line.

Alongside our income protection insurance, we also offer advice on other types of insurance, including mortgage protection insurance, life insurance, critical illness insurance, and home insurance.

Company Information

The Mortgage Genie Limited is Registered in England and Wales with Company Number 9803176. The Mortgage Genie Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.


Depending on the complexity of your mortgage there may be a fee for our mortgage advice and arrangement service, which will be discussed and agreed before you make a mortgage application. A typical fee is £293 and will never be more than 1% of the mortgage amount.