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01420 467460

Luke Fernandez Mortgages
  • Home
  • Mortgages
  • Insurance
  • Contact us
  • Client Portal

Income Protection

IMPORTANCE OF INCOME PROTECTION

No one can tell what the future might hold but unfortunately accidents, illness and injury are a part of life.

For this reason, it's important that you put plans in place to protect you and your family in the event of you being unable to work due to illness or injury. 

Income Protection pays you a tax-free monthly payment of up to 60% of your gross income, if you are unable to work due to illness or injury, ensuring essential household bills and living expenses are paid whilst you are off work.

An Income Protection policy will provide a safety net allowing you and your family to remain in the home, without financial worry, whilst you are unable to return to work.

Get your personalised quote today

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How we can help

If Income Protection is right for you, we’ll assist in finding you the right product that suits your needs, whilst offering you great value for money.


We have access to a carefully selected number of insurers and can arrange the policy on your behalf.


Our protection service is free of charge, so let’s protect you, your family and your home.

What Does Income Protection Provide?

What Does Income Protection Provide?

What Does Income Protection Provide?

An Income Protection policy will pay out if the policyholder is signed off from work due to an illness or injury.


The policyholder is usually covered for most conditions that leave you unable to work.


The proceeds of a policy are usually paid as a tax-free monthly payment  to cover mortgage payments, household bills and living expenses.


It pays up to 60% of your gross income per month throughout the term of the policy until you retire or return work.


Income Protection provides you and your family with financial stability in the event of you being unable to work due to illness or injury.


Who Needs Income Protection?

What Does Income Protection Provide?

What Does Income Protection Provide?

No matter your age or fitness, if you and your family depend on your income, then you should have an Income Protection policy in place.


If you're young and healthy the cost of these policies tend to be great value, providing you and your family financial security at an affordable cost.


Accidents, illnesses, and injuries can occur to anyone at any time, Income Protection will give you the breathing space to focus on your recovery to get you get back on your feet.  

Contact us TO DISCUSS YOUR INCOME PROTECTION OPTIONS

Call us: 01420 467460 Text us: 07458 195056 Email us: Luke@lukefernandezmortgages.co.uk

Office Hours

Open today

09:00 – 17:00

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We typically charge a fee of £395 for our service, which is payable upon your mortgage being offered.


The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


Luke Fernandez Mortgages is an Appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.


Your home may be repossessed if you do not keep up with your repayments on your mortgage.


Registered Company Number: 13537486 


Registered Address: 70 Frimley Grove Gardens, Frimley, Camberley GU16 7JY.


FCA Registered: reference number: 959731


Copyright © 2022 Luke Fernandez Mortgages - All Rights Reserved

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