Income Protection

If you couldn’t work due to an illness or injury could you survive on savings, or on your sick pay from work? If not, you’ll need some other way to pay the bills.

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Income Protection

The policy every person should consider.

  • It replaces part of your income
  • Pays out if you're off work due to injury, accidents and sickness
  • Offers long or short-term cover.

Income Protection can cover up to 70% of your monthly wage if you are unable to work due to accident or sickness. Being unable to earn is less of a worry when you know your wages are protected.

We promise to remove the hassle of finding a policy to protect you and your loved ones.


Calculate your policy option.

Income protection can pay out for almost any accident, injury or sickness that causes you to be off work. Some of the most common claims are back pain and depression. There is no set list of conditions so as soon as your GP has signed you off you can start claiming.

You select the amount you will need to cover your essential bills per month if you are off work due to accident, injury or sickness and when you would want the payments to start. The policy can keep paying you every month until retirement age or you return to work. Even those who do not work can be protected with income protection.

The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
  • We offer products from a range of insurers for term assurance and critical illness cover.
  • We only offer products from a limited number of insurers for whole of life, income protection, private medical insurance and home insurance. A list of the insurers we offer insurance from is available upon request.
  • We only offer products from One Family for non-underwritten whole of life plans.
  • We will advise and make a recommendation for you after we have assessed your needs.
  • You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations.

This depends on the type of business and the circumstances of the claim.


For firms declared in default on or after 3 July 2015, protection is at 100% where claims:

  • a) arise in respect of a liability subject to compulsory insurance; or
  • b) arise in respect of a liability subject to professional indemnity insurance; or
  • c) arise from the death or incapacity of the policyholder due to injury, sickness, or infirmity including contracts for Long Term Insurance such as Long Term Care, pensions and annuities

Protection is at 90% where claims arise under other types of policy with no upper limit.

Further information about compensation scheme arrangements is available from the FSCS. Visit or 0800 678 1100.

  • A fee.
  • We do not charge a fee for our service; however, if you take a policy out through us we will be paid by commission from the provider.

You will receive a quotation which will tell you about any other fees relating to any particular insurance policy.

Approved Life is a trading style of SHK Finance Limited, who are authorised and regulated by the Financial Conduct Authority under registration number 579963

Our permitted business is insurance mediation. You can check this on the FCA’s register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768

If you wish to register a complaint, please contact us: By email: In writing: Complaints Department, Approved Life, 1st Floor, Unit A, Marlborough Business Centre, George Lane, South Woodford, London, E18 1AD

By phone: Telephone us on 0800 002 9479

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service.

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