Income Protection

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When you’re ill or injured and can’t work, the last thing you need is stress about paying the bills.

Income Protection

Income Protection insurance pays a proportion of your lost earnings so you can concentrate on looking after your health and stop worrying about making ends meet.

You can choose between short term cover, from 12 to 24 months or long- term accident & sickness cover and keep receiving payments until you retire.

We can talk you through the various options and ensure you receive the cover that’s tailored for your personal situation.

What’s the difference between Critical Illness and Income Protection?

Critical illness pays out a lump sum upon diagnosis. Income Protection pays out a percentage of your salary on a monthly basis if you are unable to work.

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Benefits of Income Protection

  • Take home more than you’d receive on state benefits
  • Cover your mortgage so your home is safe
  • Eases financial strain so you can concentrate on getting better
  • Maintain your family’s lifestyle
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Joseph’s Story

When Joseph and his wife were expecting their third child, they decided to move to a larger home. It prompted Joseph to re-evaluate his personal protection cover: their family was growing but supported by only one income while his wife raised the children. Following his mortgage adviser’s advice, Joseph decided to take out Income Protection.

In April 2018, Joseph was diagnosed with ulcerative colitis. The timing couldn’t be any worse. He’d just been made redundant and wasn’t able to look for a new job because of his condition. Joseph was admitted to hospital several times and went through a range of treatments as doctors tried to find the right combination of medication that could help him.

“We were now at a point where we had no money and trying to save every penny. I called my insurance company to cancel my policy as I though it only applied when I was in employment. To my amazement, the claims team told me I had a valid claim for my Income Protection Policy.” When the claim was successful Joseph and his wife shed tears of relief. The claim changed their lives. Joseph was able to concentrate on managing his condition without the constant fear of being unable to pay the mortgage and other bills.

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Why choose The Finance Roome?

We understand personal protection and how confusing all the options can be. We listen to your situation and search hundreds of insurers to find the right cover to fit your needs at a cost you can afford. We always have your best interests at heart and make finding insurance cover as painless and cost effective as possible.

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Find out what life could have in store for you.

Open our risk calculator
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Don’t just take our word for it.

Our biggest critics are always our clients. Unbiased and unrelenting, they are the easiest way to find out what a business is really like to work with. Find out what ours are saying about us!

Sophia Hawkins-Brown
Sophia Hawkins-Brown
2022-11-10
Cannot recommend these guys enough. After meeting the lovely Sam, I talked her through the nightmare I had had securing mortgages through other brokers. Sam recommended I spoke to Ricky, who was quick, efficient and super friendly. I recieved a call from Chloe who was also lovely 12 hours later securing my mortgage at an affordable rate and for the amount I desired. The Finance Roome are amazing. Offering an efficient, friendly and successful service. Thank you all. Made my day and took all my stress away. I would give 10 stars if I could.
Sophie F
Sophie F
2022-10-26
Can't speak highly enough of the Finance Roome team, we've been with them since we purchased our first house and we've just exchanged on our next property today - and I genuinely don't think we'd have made it before the interest rate hike without them! They are so friendly when you ring, always happy to discuss any little query or concern, and always respond quickly to any communications. You really feel like a valued customer dealing with this team, I've been on the phone to them in floods of tears during this house move and they're so reassuring and kind. Shout out to Adam, Jess H, and Jess D, who I have mainly dealt with - but I can honestly say that every single person I've spoken to has been fab. Without them chasing our mortgage lender to expedite our funds request after some messing from the bottom of our chain, we'd have lost our deal and seen it triple. That's life changing. Thank you Finance Roome!
kate d
kate d
2022-10-24
The finance room have walked is through everything for both mortgages we've had so far. The service has been faultless, diligent and and easy to contact. Responds very quickly to our emails. Gave honest advice and supported us throughout, even when we ended up remortgaging through our previous provider meaning they did not get a commission.
Victor Wilson
Victor Wilson
2022-10-22
I have nothing but positive words for this company. Chloe and Harriet mainly dealt with my case and their customer service is brilliant. Aside from that, their approach towards everything is proactive, efficient and professional. I cannot fault anything from my experience and when I purchase another property I will be straight to these guys. Thank you everyone!!
Emily Poole
Emily Poole
2022-10-21
As always, The Finance Team have been amazing and helped me with my new mortgage. They are extremely knowledgeable, professional and lovely to deal with. Thank you so much!
Ross Firth
Ross Firth
2022-10-18
From the first moment we messaged Courtney we knew we were in the right hands. The finance roome helped us with the purchase of our first house, from sorting our mortgage to helping with our life insurance and home insurance. Right from the start everyone was friendly helpful and more than happy to take the time to answer any questions we had and even though we had ended up waiting 8 months for the house to finally all go through, they still persisted to chase up our solicitors weekly and check everything was still in order. We couldn’t recommend them enough!
Charlotte Slater
Charlotte Slater
2022-10-10
Adam and everyone at the Finance Roome have been wonderful. Words cannot express our thanks for his expert advice, getting us a great mortgage in the nick of time. He quite rightly hurried us to get all our paperwork in order and as such we got a mortgage just days before the massive interest rate hikes. In addition to securing us a great mortgage, Adam was always on hand to provide support and reassurance when our Solicitors were causing us many headaches. Thanks again so much to Adam and the team. We have recommended them to everyone we know who are currently going through the house buying process.
Joanne Carnie
Joanne Carnie
2022-10-08
I have just completed my Re-Mortgage with the Finance Roome and am writing this review as I cannot rate this company highly enough. This is not the first time I have used the Mortgage Roome, they arranged my mortgage for my house purchase 5 years ago and were simply outstanding then so I had no hesitation in calling them for my Re-mortgage. Once again, the level of service I have received and the advice has been second to none and I am so grateful to all of the staff (Ellen, Adam Hayter and Jess Hambling) who have provided the advice and assistance along the way. All of the staff I have spoken to have shown that they are extremely knowledgeable, professional and they really listen and understand your needs when providing advice. It is not often you get outstanding service these days so they are totally deserving of a 5 star review. Thank you so much.
Emily Golden
Emily Golden
2022-09-30
The Finance Roome helped me secure a good mortgage deal and followed it through to completion. I will be using them again next time!
Paulina Woźniak
Paulina Woźniak
2022-09-20
We had really great experience with The Finance Roome Ltd. Our Broker - Adam and his Admins were very helpful. We have had our offer within 2 weeks since we’ve applied. They’ve supported us till very end (completion). Thank you from me and James for your time! Great job everyone!

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