Key Financial Support
Income Replacement to Help Maintain a Stable Home
Income protection insurance provides ongoing financial support if you are unable to work due to illness or injury, giving you a regular replacement income for as long as the policy allows. It offers long term security and reassurance that essential bills and living costs can still be managed while you recover. Because this cover protects your earnings, it can serve as a reliable part of your financial planning and help maintain stability for you and your household when unexpected health challenges arise.
Reasons for Choosing Craig Mortgages and Protection...
From our first conversation through to putting the right cover in place, we’re by your side every step of the way. Our service doesn’t stop once your policy is arranged, we continue to support you with everything that follows, from helping you understand your cover and options to assisting with paperwork and making sure any updates or changes are handled smoothly.
Expert Guidance
Clear, knowledgeable advice tailored to your circumstances, ensuring you feel confident at every stage of the journey.
Smooth Process
We handle the details, reduce complexity, and keep everything on track to make the experience as stress‑free as possible.
Market Access
With access to a wide range of trusted insurers, we work to find the most suitable options for your needs.
Ongoing Support
We’re here for you until everything is complete, and beyond, ready to assist whenever you need us.
With access to multiple providers, we'll explore more competitive cover specifically tailored to you.
Frequently Asked Questions
Get quick, helpful answers to the most common questions.
Income protection is designed to pay a monthly benefit if you’re unable to work due to illness or injury. It aims to help cover essential living costs while you recover. Policies vary by insurer and individual circumstances. It typically covers between 50% to 70% of your gross monthly earnings.
Policies can pay out for a set period (e.g., up to 1, 2, or 5 years) or until retirement age, depending on the cover you choose. We’ll help you understand the options available.
Employer sick pay can help, but it may only last for a limited time. Income protection could help bridge the gap after that. We can discuss how policies work so you can decide whether it’s suitable for your situation.
This is the length of time between stopping work and when your policy starts paying out. The longer the deferred period, the lower the premium usually is. We’ll explain the options and how they work.
This depends on the insurer and the medical history involved. Some conditions may be excluded or result in adjusted premiums. We’ll help you understand how insurers assess applications.