Protection & insurance advice
Income Protection in Sleaford & Lincolnshire
Income protection pays you a regular, tax-free income if illness or injury stops you working, so the mortgage and the bills are still covered while you recover. We compare leading insurers to find the right cover for you.
5.0★ · 701 reviews
Cover from leading insurers
FCA registered
Your Lincolnshire protection team
Nick, Kasia & the team
Qualified advisers and support, here for every step
Income protection pays you a regular, tax-free income if illness or injury stops you working, so the mortgage, the bills and the weekly shop still get paid while you recover.
As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
What income protection covers
It replaces a percentage of your earnings after a waiting period you choose, and keeps paying until you can return to work or the policy ends. We compare insurers on the definitions that matter, such as own-occupation cover, and set the waiting period and term around your sick pay and savings.
Cover built around your job and budget
Employed or self-employed, we work out how much cover you genuinely need and find a premium that fits, then explain exactly what is and is not covered before you commit.
Is this you?
We help employees and the self-employed like…
- Self-employed people with no sick pay
- Employees whose sick pay soon runs out
- Anyone with a mortgage and dependants
- Sole earners who carry the household
Why a broker
Why employees and the self-employed use an insurance broker
Buy cover off a comparison site and you are on your own if a claim ever comes. We compare trusted insurers, set the policy up so it pays out when it matters, and stay on hand for the life of the cover.
Going it alone online
- A price-first comparison site, on your own
- You guess the right type and amount of cover
- Exclusions buried in the small print
- Medical questions answered with no guidance
- No one to help if you ever need to claim
With Spolton, advice you can trust
- Cover compared across leading insurers
- Advice on the right type and amount of cover
- Exclusions and terms explained in plain English
- We help you answer medical questions properly
- A named adviser who supports you at claim time
- Policies set up in trust where it helps
How it works
How we help employees and the self-employed, step by step
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A free, friendly chat
We get to know your work, your family and your budget, with no pressure and no jargon.
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We compare the market
We search cover from a wide panel of leading insurers to match the right policy to your needs.
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A clear recommendation
We explain your options, the costs and the small print in plain English, so you can decide with confidence.
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Set up and ongoing support
We put the policy in place, arrange a trust where it helps, and stay on hand if you ever need to claim.
Local to you
Advising on income protection across Sleaford & Lincolnshire
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Good to know
Income Protection: your questions answered
How much of my income can I cover?
Most insurers let you cover around 60 per cent of your gross earnings, paid tax-free. We work out the right figure for your outgoings.
What is a waiting period?
It is the gap between being unable to work and the policy starting to pay. A longer wait lowers the premium, so we set it around any sick pay and savings you have.
Can I get cover if I am self-employed?
Yes. Income protection is one of the most valuable policies for self-employed people, who usually have no sick pay to fall back on.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your cover
You will deal with a named adviser from start to finish, backed by an administration team who keep things moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
