Income Protection

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This provides income where you are ill or injured, and as a result your income through employment or your normal route stops.

It is designed to replace most of your net income.

Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age). The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable. Reviewable cover normally changes based on the claims experience of the life assurance company.

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THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

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Rachael

Russell was knowledgeable and helpful

Russell was knowledgeable and helpful. He also proved flexible at moments when we changed ideas on what cover we needed.

Allson

Russell was very friendly and…

Russell was very friendly and informative in helping us choose what to do.

Andrew F

We have dealt with them for many years

We have dealt with them for many years, very helpful with diverse financial matters, trust them fully.

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Jethro is professional, helpful and always goes the extra mile.

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The individual advisor I deal with always provides helpful and balanced, and prompt guidance and support.

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    Beard and Coles Financial Planning, Gold Financial Services, Inspire Financial Partners, White Eagle Finance, Robinson Sharpe Financial Planning, Cathedral City Financial Services, Hoare Jacques Financial Planning, Market Wide and The Partnership Southampton are trading styles of Warwick Road Financial Services Ltd an appointed representative of Quilter Financial Services Limited which are authorised and regulated by the Financial Conduct Authority.

    Warwick Road Financial Services Ltd registered address: Office 5, The Forest Rock Offices Leicester Road, Whitwick, Coalville, Leicestershire, United Kingdom, LE67 5GQ. Registered in England and Wales No. 09303523.

    The guidance and/or Information contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.

    Approver Quilter Financial Services Limited 26/02/2026

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