Income Replacement

Income protection is designed to provide a regular income if you’re unable to work due to illness or injury, helping you continue to meet everyday commitments such as your mortgage, household bills, and living costs. It can be particularly important for self-employed individuals, contractors, and those without generous sick pay arrangements.

At RPS Mortgages, we provide clear, FCA-regulated advice on income protection, taking the time to understand how you earn, your outgoings, and any existing cover you may already have. Our advisers focus on helping you select cover that is appropriate for your role, budget, and circumstances, including benefit levels, waiting periods, and policy terms.

Our aim is to help you understand how income protection works in practice, so you can make an informed decision about whether this type of cover is suitable for you and how it could support your financial stability if your income were interrupted.