Income Protection

We understand that your ability to work and earn an income is crucial to maintaining your lifestyle. However, unforeseen circumstances such as disability or ill health can disrupt your ability to work and leave you facing financial uncertainty. That's why an Income Protection Policy is a vital consideration.

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An Income Protection Policy provides essential coverage by safeguarding your income if you are unable to work due to disability or ill health. Unlike short-term Accident, Sickness, and Unemployment (ASU) policies, which typically have a limited term of 1 or 2 years, Income Protection policies offer significantly longer coverage. Upon a successful claim, these policies provide a monthly tax-free income until you recover or reach your specified retirement age, following a specified deferment period. It's important to note that Income Protection policies do not typically cover redundancy.

Imagine the peace of mind knowing that your bills can be paid, and your financial obligations met, even if you are unable to work. State benefits alone may not be sufficient to support your lifestyle during such challenging times. That’s where Income Protection comes in, offering a reliable source of income to help you focus on your recovery without added financial worries.

Contact us today, and we will arrange an overview of your protection needs to ensure that you are fully covered with an Income Protection Policy. We are committed to providing you with the necessary support and guidance to secure your financial well-being.

Life Insurance

Life Insurance policies offer financial protection by providing a settlement payment in the event of your death within a specified period. This type of coverage…

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Home & Contents Insurance

Buildings Insurance is a fundamental form of cover that protects you against physical damage to your property. In most cases, it is a requirement of…

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Critical Illness Cover

Critical Illness insurance provides valuable support by offering a lump sum pay-out if you survive a specified critical illness, such as certain types of cancer,…

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Business & Key Person Insurance

With a wide range of policies available to address various scenarios, our professional advisers are equipped to guide you through the options and tailor solutions…

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Why Us?

We provide expert mortgage and insurance advice to help you navigate the complexities of securing your home loan with clarity and confidence.

You can rest assured knowing that our professional team will be there to support you at every step

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    Modern Mortgage Experts Limited trading as Modern Mortgage Experts is an Appointed Representative of Dragon Brokers Limited t/as The Dragon Network which is authorised and regulated by the Financial Conduct Authority under registration number 599430. Registered office: 3 Friendship Walk, Northolt, London, UB5 6EY. Registered in England.

    Modern Mortgage Experts Limited is a credit broker and you can confirm our registration on the FCA’s website www.fca.org.uk
    The actual APRC you are eligible for depends on individual circumstances.

    If you are thinking about consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON A MORTGAGE.

    The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

    The Financial Ombudsman Service (FOS) is an agency for arbitrating of unresolved complaints between regulated firms and their clients. Further details of the FOS can be found on its website: www.financial-ombudsman.org.uk