Income Protection Insurance Essex
Safeguard Your Income. Secure Your Future.
In Essex, where hardworking individuals rely on their income to support mortgages, bills, and loved ones, financial stability is essential.
Life can be unpredictable—illness, injury, or disability can strike without warning.
That’s why income protection insurance Essex is more than a policy—it’s peace of mind.
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What Is Income Protection Insurance?
Income protection insurance pays a monthly income if you’re unable to work due to illness, injury, or disability.
Unlike critical illness cover (which pays a lump sum), this policy replaces lost earnings—typically 50% to 70% of your pre-tax salary.
Policy types include:
- Short-term cover: Pays out for 1–2 years
- Long-term cover: Supports you until recovery or retirement
Whether employed or self-employed, income protection insurance Essex adapts to your lifestyle and financial needs.
How Income Protection Insurance Works
When setting up your policy, you choose:
- The percentage of income to be covered
- A waiting period (e.g. 4, 8, or 13 weeks)
- The benefit duration
If you’re unable to work, the policy pays monthly benefits until you recover, retire, or reach the end of the term—helping cover mortgage payments, bills, and medical costs.
Why Essex Residents Need It
If your income stops, your expenses don’t. Income protection insurance Essex helps you:
- Avoid financial hardship during illness or injury
- Maintain mortgage payments and daily costs
- Protect your family’s wellbeing and future
Here’s What Our Clients Say
Financial Service Solutions
4.7
33 Reviews
Professional, Friendly, Experts. Thank you so much!
Jabez and Nikki were amazing. As a first time buyer, they took all the stress of arranging a mortgage away, offering advice and options that I would only be able to get from a broker. Jabez has been proactive throughout the entire process, keeping me well informed and going above and beyond improving my mortgage deal as my house purchase progressed. Well worth the money, and would throughly recommend them for all your mortgage needs!
Excellent Advice & Service!
We had an excellent experience with Financial Service Solutions who helped secure a new deal on our mortgage for another 3 years. They are incredibly professional and friendly. We thoroughly recommend them to others in need of financial advice. Thank you Jazeb & Nikki!
Fantastic service
Both Jabez and Nikki have been extremely helpful throughout the process and have gone above and beyond to ensure our house purchase has gone through as smoothly as possible and were more than happy to do whatever it took to set my mind at ease as a first time buyer - much needed whilst trying to juggle work and a 2 year old. If you are looking for a less stressful house purchase I highly recommend them.
Key Benefits on Income Protection Insurance
| Benefit | Description |
|---|---|
| Income Replacement | Up to 70% of your salary if you’re unable to work |
| Flexible Terms | Tailored waiting periods and payout durations |
| Broad Illness Cover | Includes physical, mental health, and chronic conditions |
| Mortgage & Expense Support | Use benefits to cover essential bills and housing costs |
| Peace of Mind | Financial stability when life takes an unexpected turn |
Our Process at Financial Service Solutions (FSS)
Consultation – We assess your goals and financial needs
Policy Selection – Our experts match you with the right insurer
Application Support – We handle the paperwork fast and accurately
Ongoing Advice – Your policy evolves with your life—we’re here every step
Why Choose FSS for Income Protection Insurance Essex?
Whether you’re a contractor in Chelmsford or a teacher in Southend-on-Sea, we’ll find the right policy for you.
Expert Guidance
Knowledge of Essex’s workforce and regional needs
Local Knowledge
Local expertise with national reach
Transparent Process
Clear, jargon-free advice
Tailored Solutions
Access to top UK insurers
Chelmsford Office
Saxon House,
27 Duke Street,
Chelmsford, CM1 1HL
Contact us using your preferred method
Office: 0333 567 8960
Email: hello@financialservicesolutions.co.uk
Request an INSURANCE Quote
Free no obligation insurance quotation, no credit searches required.
Frequently Asked Questions
What’s the average cost?
£15–£50/month depending on age, health, and occupation.
Can self-employed people apply?
Yes—tailored policies are available.
How long does it pay out?
Some policies cover a few months, others until retirement.
Are mental health conditions covered?
Many policies include cover for depression, anxiety, and more.
Can I use it to pay my mortgage?
Absolutely—benefits can cover housing and essential bills.
How long does it take to apply?
Most applications are completed and approved within days.
Business hours
Factsheet Downloads
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Arranging Your Mortgage
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Fixed Price BTL Conveyancing
EPC Regulations
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Specialist Property Reports
General & Commercial Insurance
Income Protection Guide
Protection Planning Guide
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Conveyancing Explained
Conveyancing Process
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Disclaimer: Financial Service Solutions Ltd has never now or has ever been involved with any companies of a similar name. Financial Service Solutions Ltd is an Appointed Representative of New Leaf Distribution Ltd. who are authorised and regulated by the Financial Conduct Authority. Number 460421
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