=> Self-employed with no access to employer-provided sick pay

=> Employed but only receive limited sick leave or statutory benefits

=> Financially reliant on your monthly income to cover living costs, mortgage payments, or family expenses

✅ 1. Replaces a Portion of Your Income

Provides up to 70% of your regular income if you’re unable to work due to illness or injury—helping you manage essential costs like rent, mortgage, and bills.

✅ 2. Covers Both Physical and Mental Health Conditions

Whether you’re dealing with a physical illness or a mental health issue, income protection offers support during recovery.

✅ 3. Flexible Waiting Periods

Choose from different deferment periods to suit your existing employer sick pay or savings—ranging from 1 week to several months.

✅ 4. Ideal for Self-Employed and Employees

Perfect for self-employed individuals with no sick pay or employees with limited workplace benefits.

✅ 5. Long-Term Financial Security

Depending on the policy, cover can continue until you return to work, retire, or reach the end of the policy term—offering long-term stability.

✅ 6. Customisable to Your Lifestyle

Policies are tailored to your income level, job type, and financial needs, ensuring the right protection for your unique circumstances.

At Haven Mortgage Ltd, we tailor income protection policies to suit your job type, income level, and financial commitments—ensuring you’re covered if the unexpected happens.