Agentis Financial and Mortgage Solutions is a trading style of Agentis Financial and Mortgage Solutions Ltd, which is an appointed representative of Stonebridge Mortgage Solutions Ltd. and is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 631659.

Are you ready to safeguard your income and secure your financial future as a self-employed professional? This guide is designed specifically with self-employed individuals in mind and includes everything you need to know about income protection:

• Understanding Income Protection for Self-Employed Workers
• Why Income Protection is Essential When You’re Your Own Boss
• Choosing the Right Level of Cover for Your Unique Needs
• Short-Term vs. Long-Term Cover: What’s Best for You?
• Deferred Periods Explained
• Policy Definitions & Incapacity: What You Need to Know
• Key Exclusions & Limitations
• Income Protection vs. Critical Illness Cover: What’s the Difference?
• Tailoring a Policy to Fit Your Business and Lifestyle

At Agentis, we specialise in helping individuals and families safeguard their financial security with tailored income protection solutions. Here's why working with us is the right choice:

• Expertise in Income Protection: We understand the complexities of income protection policies and how to find the right cover to suit your needs.
• Tailored Advice: We take the time to understand your personal circumstances, whether you're looking for short-term cover, long-term protection, or additional benefits like critical illness cover.
• Access to Competitive Policies: Our extensive network of insurers gives you access to a wide range of policies with flexible terms and competitive premiums.
• End-to-End Support: From your initial consultation to setting up your policy and providing ongoing support whenever you need it, we’ll guide you through the process, ensuring you understand your options and feel confident in your decisions.

Since 2014, our advisers have been providing expert guidance to clients across the UK. We take a personalised, case-by-case approach to income protection, recognising that everyone’s situation is unique. Our goal is to help you secure a policy that offers peace of mind and financial stability when it’s needed most. Now’s the time to take control of your financial future. Let Agentis help you get there!

WHY WORK WITH AGENTIS?

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Income Protection for the Self Employed

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WHAT IS INCOME PROTECTION INSURANCE?

Income Protection Insurance acts as a financial safety net if you're unable to work due to illness or injury. Unlike other insurance types, it provides a regular income, typically between 50% and 70% of your earnings—ensuring you can cover essential expenses such as your mortgage, rent, bills, and everyday living costs.

This insurance offers flexibility and long-term support, paying out until you're able to return to work, retire, or reach the end of your policy term. It’s designed to give you peace of mind and protect your financial wellbeing, no matter what life throws your way.

WHY IS INCOME PROTECTION IMPORTANT FOR SELF EMPLOYED INDIVIDUALS?

As a self-employed individual, your ability to work is the backbone of your financial security. Unlike employees, you don’t have access to sick pay, employer-backed benefits, or other workplace safety nets. This makes protecting your income even more critical. Here’s why income protection is essential for self-employed professionals:

• No Sick Pay to Fall Back On: If illness or injury prevents you from working, income protection ensures you have a regular income to cover essential expenses.
• Keep Your Business Running: Your fixed business costs, such as rent, utilities, and subscriptions, can still be covered, even if you’re unable to work.
• Maintain Your Lifestyle: Income protection allows you to meet personal obligations like mortgage payments, bills, and family expenses, preventing financial stress.
• Flexible Policies Tailored to Your Needs: As a self-employed worker, you can choose cover that aligns with your specific income and recovery timelines.
• Peace of Mind: With the right policy in place, you can focus on building your business, knowing you’re prepared for the unexpected.
• Protect Your Family’s Future: Income protection helps ensure your loved ones aren’t financially impacted if your ability to earn is interrupted.
  

When you’re your own boss, having income protection isn’t just a luxury, it’s a necessity. It provides the financial stability you need to continue thriving, no matter what life throws your way.