Access to Exclusive Income Protection Policies
– More choice, better peace of mind
How It Works
- Choose your benefit level – usually up to 50–70% of your income
- Set your deferral period – how long before payments start (e.g. 4, 8, 13 weeks)
- Receive monthly payments – if you’re unable to work, get paid until you return to work, retire, or reach your policy limit
- Ongoing support – cover continues as long as your policy runs
Who Is It For?
Income protection is particularly valuable if you are:
- Self-employed or a contractor without sick pay
- An employee with limited workplace sick benefits
- Paying a mortgage, rent, or supporting dependants
- Looking for long-term peace of mind that your lifestyle won’t collapse if you can’t work
Why Choose Crane Financial?
- Tailored advice for your job, salary, and lifestyle
- Access to specialist providers who understand different occupations
- Independent, unbiased recommendations
- Support through the application and claim process
Frequently Asked Questions About Income Protection
How is income protection different from critical illness cover?Support - Studio552025-09-08T11:37:04+00:00
- Income protection pays a monthly income while you’re unable to work.
- Critical illness cover pays a one-off lump sum if you’re diagnosed with a listed condition.
Can I get cover if I’m self-employed?Support - Studio552025-09-08T11:34:54+00:00
Yes – many insurers provide flexible options for sole traders and directors.
What’s a deferral period?Support - Studio552025-09-08T11:34:18+00:00
It’s the waiting time before your payments begin. A longer period means lower premiums, but we’ll help balance cost with protection.
Why Choose Crane Financial?
- Independent advice across trusted UK insurers
- Help finding affordable cover without the jargon
- Over 15 years’ experience in protection and mortgages
- Ongoing support – not just at setup, but if you ever need to make a claim
Common Questions About Life Insurance
How much life insurance do I need?
It depends on your mortgage, income, and dependants. We’ll help calculate the right amount.
Can I get cover with a health condition?
Yes – many insurers accept pre-existing conditions. We’ll find the most flexible options.
What’s the difference between level term and decreasing term?
- Level term – the payout stays the same throughout the policy.
- Decreasing term – the payout reduces over time, often used to cover a mortgage.