Income protection

Working for you

Finding yourself out of work and not earning money is a worry we all share. Our Income Protection policies make sure that you are financially covered should you become unable to work.

What is income protection?

Income Protection policies are designed to make sure that you aren’t caught out of pocket should you ever find yourself out of work due to injury or illness. These policies pay out up until retirement to make sure you have access to money. These policies are not to be confused with critical illness cover, which pays out a lump sum if you are diagnosed with an illness.

We can never know what is round the corner for our health. These tax-free pay-outs can be vital for continuing life as normal during an illness, helping to pay towards bills, childcare, rent etc. Come and speak to us about how you can get cover that works for you.


Types of insurance

We offer four different types of insurance to help you protect the things that mean the most:

  • Life insurance
  • Critical Illness
  • Income Protection
  • Mortgage Protection

At Simplicity, you can choose one type of cover or, if necessary, combine others for a more comprehensive and secure plan.

Find out more about our other types of cover.

Life insurance

Life insurance is a popular choice of policy to ensure your loved ones are taken care of when you die. At Simplicity, we have a number of life insurance policies that are available to you.

Critical illness

Your health underpins everything, even your income. Should you ever be diagnosed with a critical illness, our critical illness cover policies can offer you financial stability through difficult times.

Mortgage protection

Making sure you have a roof over your head is a priority. With this cover, you can ensure your home is always protected. Mortgage Protection policies will pay of your mortgage in the event of your death.

Mother with daughter

Why choose Simplicity?

Finances can often be complicated, but it doesn’t have to be.

We appreciate that approaching the task of buying insurance policies can be daunting. There can be a lot of moving parts to contend with, and dates, numbers and fine print can
begin to cloud the bigger picture. That is why we are here to help you keep things simple.

Always fair

Simplicity are not tied to providers, meaning we are able to explore all options that are available when dealing with your policy. This way we can select the best options for you.

Always in touch

When you start your cover, you join the Simplicity family. We pride ourselves on being reachable should you have any questions or queries about any other financial products.

Always thinking ahead

The financial sector changes all the time, and that is why we automatically review your policies every 12 months. This ensures that you are always on the best plan you can be.

Always simple

Like our name implies, we don’t make things complicated. This company is built on keeping our services simple for our clients; keeping our process easy and your options as clear as possible.

Buy with confidence

Whether you are searching for insurance or a mortgage provider, we know that buying with confidence is key. That’s why at Simplicity, we are committed to providing every one of our clients with face-to-face guidance and first-rate services. Ready to start?


What does income protection cover me for?

The policy will pay out until you can start working again. Upon taking out the policy the amount paid out will be agreed.

What happens if I have income which I’m not taxed on?

If you have non-taxable income then it won't count as part of your pre-disability income. So, you won't receive benefit payments in respect of such income. This won’t be deducted if it continues whilst you are off sick.

Can I change my insurance plan if my circumstances change?

Of course. We know that life doesn’t function on a single wave. That’s why, at Simplicity, we automatically review your policy every 12 months. This way you don’t have to worry about your plan being best suited for your changing circumstances. If your situation changes, we are here to tailor your plan for you.

Why should I choose Simplicity over the bigger companies?

We appreciate that well known companies are always going to be the first thing that springs to mind when looking for these services. However, we are competitive with the top names, and we also offer a hands-on approach to these services; meaning you will always be able to stay in touch with our team.

How Simplicity can help save time and money?

Quite simply, we have extensive experience in this sector. Our clients have found that bigger companies can be difficult to contend with when it comes to finding the best deal. We pride ourselves on being able to find the best rates for our clients and provide a face-to-face service.

How often do I need to review my insurance?

We will automatically check up on our clients’ policies every year, so we if there is a better rate we will inform you. Of course, if you wish to review your policies at any time, we’ll be happy to.

Get a Quote

To find out what Simplicity can do for you, we would love for you to get in touch. Also, you can get a quick quote here.