Income Protection Insurance, Safeguarding Your Future

Protect
Your Income

In healthcare, you’re used to handling the unexpected. But if illness or injury put your income on pause, could you keep life moving without worry?

Income protection insurance ensures you still receive a regular income if you’re unable to work due to illness or injury. It keeps your financial life on track, so you can focus on getting better, not stressing about missed paycheques.

Why Healthcare Professionals Need Income Protection Insurance

01

You can’t plan for illness, but you can plan for its impact

No matter how secure your role feels, sickness or injury can swiftly turn stability into financial strain. Income protection is the safety net that lets you focus on recovery, not scrambling to cover bills.

02

Self-Employed Healthcare Professionals Face Greater Risks

There’s no employer safety net. If you’re self-employed or locum, your income can vanish overnight if illness strikes. Income protection gives you a vital monthly payout to keep your lifestyle, home, and future plans intact.

What Is Income Protection Insurance?

Income protection insurance provides a regular, tax-free monthly income if you’re signed off work due to illness or injury. Unlike a lump-sum critical illness payout, it supports your financial needs over time, whether that’s for a few months or several years, depending on your policy.

With cover through Affinity Advice, you can:

Replace up to 60-70% of your usual income
Keep up with mortgage or rent payments
Cover daily living expenses
Protect savings and long-term financial goals
Recover at your own pace without financial panic

NHS Income Protection Tailored to You

If you work for the NHS, you likely benefit from a generous sick pay scheme, but it doesn’t last forever. Income protection for NHS staff is something we support individuals with frequently. It helps bridge the gap between your salary and what your employer provides.

After the initial months of full and half pay, many healthcare workers are left vulnerable. Our NHS income protection solutions ensure that when sick pay reduces or stops, your lifestyle, home, and family plans don’t have to.

01

Smooths the transition from NHS sick pay to private cover

02

Covers essential living expenses without draining savings

03

Gives peace of mind to focus on recovery, not finances

Income Protection Insurance for Medical Professionals

Doctors face constant demands, changing contracts, locum shifts and private work. Our income protection flexes with your career, offering tailored financial support that keeps pace with the real pressures of your life in healthcare.

Income Protection Insurance for Dental Professionals

Whether you’re running a busy practice or working as an associate, your income supports not just your home life, it also powers your professional responsibilities. We protect it all, so illness doesn’t mean starting over.

Why Choose Affinity Advice?

Reviews

Trusted by Doctors and Dentists Nationwide

Excellent knowledge and speedy service as always. Thanks to Affinity Advice I have the reassurance I need that should anything happen to me, my family are covered. Would highly recommend.

Alex (Nov 23)

After finding myself unable to work and insurance offering little to no help, I spoke with Adam who advised payment protection income to assist in difficult times. He was extremely informative and not pushy, my monthly premium went up 50% but at least I’m actually protected now, opposed to only being insured to a terminal illness!

Connor (Nov 23)

I recently used Affinity advice to source options on Life Insurance and Private Medical cover and they were absolutely fantastic. Andrew was very knowledgeable and efficient, and walked me through the process step by step. Would highly recommend.

Adam (Jan 24)

Absolutely brilliant service from Adam. He made the whole process of getting me set up with multiple policies simple, informative and stress-free. Definitely a company you can trust!

Luke (Sep 24)

Great service from Adam at Affinity Advice for joint life insurance, critical illness and pay protection. Adam explained everything and what we actually needed to give us reassurance if the worse happened.

Laura (Mar 25)

Proactive and professional, very clear communication and rapid service. Highly recommend.

Will (Mar 25)

Keep Your Life Moving Forward, Even If Illness Slows You Down

Life doesn’t pause when you can’t work. Let’s protect your income — and everything it supports — with personalised advice built around you.