income protection insurance

An income protection plan is designed to pay out a regular income to cover your essential outgoings, such as a mortgage and other bills, in the event that you’re unable to work due to an injury or illness. Our income protection insurance brokers, based in Essex, will be able to talk you through selecting the appropriate income protection policy.

Income protection insurance

apply for income protection insurance.

At Affinity, we recognise that different people take different approaches. If you prefer to dot your own ‘I’s and cross your own ‘T’s, feel free to submit your own application here. Or, if you’d prefer to let us look after your income protection insurance application, click 'get started' to share your details and we'll give you a call - we can’t turn up to a medical for you, but we’ll do our best to look after everything else!

apply now

If you’d prefer Affinity to take the strain, we’ll personally take you through each stage of the process.

income protection insurance application quick guide

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we will collect your information
Any information you are able to provide at the outset is collated securely and confidentially to help with our search.
we’ll contact you to learn about your requirements
We follow up with a friendly chat, either in person or on the phone, where we can determine the type of cover you require.
we search the market to identify the ideal policy
Next is the stage where Affinity truly excels – searching thousands of products on the market right now to pick out the perfect one for your needs.
we will apply to the insurer on your behalf
Applying for insurance is hardly thrilling, but it can prove vital. Let us oversee the application and you can avoid costly mistakes.

most common faqs

Will I need to undergo a medical examination to receive income protection insurance?

This is not always the case. Subject to your age, amount of cover and general health, the insurers may require further evidence before they can offer terms. This can be completed by either an additional telephone interview, nurse visit or a targeted report from your GP.

What factors will affect the income protection insurance policy I can qualify for?

Insurers will look at a number of factors before offering cover. Every provider is different, which is why it is best to speak with one of our income protection insurance brokers who can choose the best insurer for your circumstances. Some of the main factors will be age, occupation type, general health, smoker status and dangerous hobbies or pastimes. Once terms have been offered by the insurer and a monthly premium is agreed, that is the price you will pay each month for the life of the policy, should you choose a guaranteed premium.

What constitutes critical illness in income protection insurance?

A critical illness is not necessarily a life threatening condition, but in most cases life changing. Each insurer has a list of different definitions, meaning some will cover certain conditions, whilst others may not. Speak to one of our income protection insurance brokers to find out which critical illness plan is best suited for you.

your question not answered here? view all faqs

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Your teacher was wrong. You don’t have to apply yourself. If time is short, let us do what we’re good at. We’ll fill out all the forms without making any of those easy-to-make mistakes that can cause delays or even cause an application to be rejected.

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complete flexibility

complete flexibility.

Nothing is set in stone, both in terms of how we approach finding the right deal for you – or the deal itself. If we can change anything up to make it more suitable to you, we’ll do it.

experienced, dynamic advisors.

When you contact us, it’s not an intelligent algorithm that’s replying to you – it’s an intelligent human. We’ll be up close and personal throughout your process.

experienced, dynamic advisors
Happy clients

happy clients make us happy.

Setting our clients on their way with the ideal financial product is what gives us the warm fuzzy feeling of a job well done. And our clients seem to appreciate it too.

have a question?

If there’s anything you’re unsure about, or if you just want to get the ball rolling, please email us – or give us a call if you want to have a word with a friendly human.

Contact us