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Income protection insurance provides financial support when illness or disability prevents you from working. This coverage offers regular income payments until you can return to work or retire, but it’s designed with the expectation of a return to work. The policy may pay out more than once, but there’s a cap on payments based on your salary. A deferred period is part of the policy, during which you rely on savings or other income sources before it starts paying. Shorter deferred periods lead to higher premiums.
Our role as mortgage broker in Durham is to recommend tailored policies, as individual circumstances vary. Having income protection in place is essential for unexpected changes, even if you never need to claim. Contact us for a free initial insurance review in Durham to explore your options.
At Durhammoneyman, we offer a complimentary insurance review with our experienced protection and protection advisors in Durham. During this review, our team thoroughly assesses your personal and financial circumstances to determine if Income Protection is the right choice for you. We take into account factors such as your lifestyle, age, and medical history to identify the most suitable policy for your needs.
Income Protection can be costly, as it can pay out numerous times. If you have additional Insurances policies in place, it could be beneficial to work out the total costs and what you are covered for.
When you secure your policy, it’s crucial to fully understand what it covers and the associated terms and conditions. Our protection advisors in Durham are here to guide you through this process, ensuring you are well-informed about the details of your policy.
Income protection insurance, is a type of policy that provides financial support to individuals in the event that they are unable to work due to illness, injury, or disability. While the concept of income protection insurance is not specific to Durham or any other location, residents of Durham, like people in other areas, can purchase this type of insurance to safeguard their income.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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5.00 Rating22 Reviews
Graeme
Malcolm gave excellent advise and helped us through the first time buyer process!
5 months ago
Kayleigh
Very good, very helpful and always on the ball. Answer calls outside of normal working hours which was helpful, sent lots of prompting emails to guide us.
9 months ago
Anonymous
I don't think I've written one of these before so hopefully that will mean some weight gets attached to this. Leo was an outstanding mortgage broker and smoothly secured me an offer of a mortgage, after years of aspiring to buy a house. This was...
1 year ago
Jenni
Malcolm and his team were nothing short if amazing helping guide us through somewhat tricky process of buying our home. They were friendly, patient and efficient and deserve more than a five star rating. Thank you again to Malcolm and his team.
1 year ago
Joanne
Malcom, was professional and helped sercure the best mortagage deal for us. We were apprehensive about using a mortage broker as we had never used this kind of service before, but Malcom and the team made it so easy from start to finish,friendly...
1 year ago
Fiona
Very good service from Dinah. Very helpful and no pressure sales. Felt confident I got the best advice for my circumstances.
1 year ago
Katie
We could not recommend UK money man enough for helping us obtain a mortgage. As first time buyers we went into the process clueless, Malcolm and the team have been absolutely amazing. Their communication and expertise has been second to none. The...
1 year ago
Mr Darren
An amazing service from some amazing people. They where with me from start to finish and the support, guidance and advice they gave me was brilliant. I would happily recomend Durhammoneyman. Thank you to all who where involved in my case.
1 year ago
Anonymous
Great service! Very informative and responsive. Made the process for a first time buyer straight forward and went smoothly
2 years ago
Duncan
Professional all the way. Excellent advice from Wayne followed by excellent administration by Anna to complete the transaction. Would recommend.
2 years ago
Martin
Excellent Staff and Service, I would definitely use them again They were very helpful all through the process of my remortgage providing me with the best deal and assisting with any issues or concerns i had, very prompt on replies to my calls and...
4 years ago
Kayleigh
Joe and Chloe have been so helpful sorting out our remortgage. They did all the hard work. I would highly recommend Durham Money Man to anyone! Fab job guys!
4 years ago
Karen
Was very professional and very helpful.
4 years ago
Anonymous
We are very pleased with the service we received. Everything was very simple and the mortgage brokers done everything for us. The mortgage deal they found was significantly less than any we could find ourselves, so it's worth paying the broker fee...
4 years ago
Niall
Fantastic service! Amazing advice and guidance throughout my mortgage application. Would recommend Durhammoneyman to anyone!
5 years ago
Sarah
Durhammoneyman have been an absolute lifesaver in helping me to get a mortgage. Their support, advice and assistance throughout the process has been above and beyond what I could have expected. Without them I would not have been able to navigate...
5 years ago
Donna
I cannot fault the service I have received from Leo, Wendy and the team. They have made a potentially stressful process very easy, offering support and guidance throughout. I would recommend this team to anyone in need of mortgage advice. Thank...
6 years ago
Sandra
Matt was first of all hugely understanding and quite reassuring in what I knew would prove a difficult task! Under 2 years self employment history, trying to gain a second family home without selling the first and possessing a buy to let which also...
6 years ago
Louis
I had a complex situation and I was nervous about the whole thing. Chris worked his magic and got me a mortgage offer within 2 weeks. I was amazed. Working full time I found the evening appointments terrific.
7 years ago
Michelle
Thank you to Laura and Matt who worked seamlessly to get my remortgage offered. I’m really happy with my new deal, much better rate than what my bank were offering.
7 years ago
Discuss with a dedicated protection advisor about possible relevant insurances you would like to take or that we can suggest to you.
Your protection advisor in Durham will run through you health background with you, gathering some initial information.
We will build a tailored plan surrounding your current personal and financial circumstances, meeting your available monthly budget.
Our team can search through 1000s of insurance products to find the most suitable one, to protect you and your family.
Once we have found the appropriate product for you and you are happy to proceed, we will submit your application to the provider.
From time to time, the policy provider may come back to us for further information, before they will look at accepting the application.
If you took out your mortgage with us too, we will be back in touch with you at remortgage time. We will also take this time to review any policies you have in place.
Circumstances change and the policies you took out at the start of your mortgage, may no longer be suitable for you at remortgage time.
We offer all of our customers a free, no-obligation protection review where we’ll have a look at any existing policies you have in place and assess their suitability.
We’ll then recommend which products, including critical illness and income protection that meet your needs. If required, we’ll then tailor the plan to match your available monthly budget.
Your Protection advisor in Durham will always be open and transparent with you. From start to finish they will work for you, trying to find you the most suitable deal possible based on your personal and financial situation.
We have more than 20 years of experience in the sector with all kinds of types of policies. We have helped many customers take out Income Protection products in the past and we could help you next!
Our Mortgage and protection advisors in Durham want to make sure that you are protected and have the correct policy in place that will give you financial help when you need it most.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Durhammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Durhammoneyman 2009–2026
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Durhammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Durhammoneyman 2009–2026
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