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Family Income Benefit Tailored to Your Family & Budget

If you died tomorrow, your family wouldn’t just lose you, they’d lose the salary that pays the mortgage, bills, and everything in between. Family Income Benefit makes sure income keeps arriving every month for years to come. And because no two families are the same, we’re here to make sure you get the right policy for yours, completely free of charge.

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Why You’ll Never Need To Look Elsewhere For Insurance

Completely Free Service

Our advice is completely free. Setting everything up for you? Yep, also free! There are absolutely no catches nor hidden fees, just expert support for you, your family and your home.

Save More Monthly

We work with all of the UK’s biggest insurers, so we’ll always match you up with the one that’s offering the best protection at the lowest monthly cost for your specific situation.

Lifetime Support

Life moves fast, and we’ll move with it. Whenever a new chapter begins, we’ll review your cover to ensure you’re always fully protected, meaning you’ll have peace of mind at all times.

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Family Income Benefit: A Lifeline for Your Loved Ones

Most of us recognise the importance of life insurance, but far fewer of us stop to truly consider what our family’s day-to-day finances would look like without our income. Sure, the mortgage might get paid off, but what about the weekly food shop that still needs doing and that bills that don’t stop coming?

Family Income Benefit provides something far more familiar than the lump sum from life insurance. Your family will receive a regular monthly income to replace your salary. That means their life won’t grind to a halt if the absolute worse was to happen

For insurance business we offer products from a choice of insurers.

Don’t leave your family unprotected. We’ve got you covered.

Tailored advice built around your life and budget

Providing advice on income protection isn’t as simple as having you answer a quick questionnaire before handing you the cheapest policy possible. Instead, it’s about making sure that if the worst happens, you, your family and your home are truly covered. A few extra pounds in your pocket today is cold comfort if your protection fails you when you need it most.

Of course, making sure it fits comfortably within your budget is just as crucial, and that’s why our dedicated protection advisors take the time to get to know you and your circumstances, so you can get the best of both worlds.

That dedication matters, especially when your situation isn’t straightforward. Most mortgage brokers handle protection as part of the package, and for simple cases that works perfectly well. But complex cases deserve a specialist who focuses on insurance and nothing else, which is exactly why we’ve built a team of them.

Frequently Asked Questions

The income is paid from the date of the policyholder’s death until the end of the policy term. For example, if you take out a 25-year policy and die 10 years in, your family would receive payments for the remaining 15 years. If you die near the end of the term, the income period will be shorter.

Yes. You choose the policy term when you take out the cover, typically ranging from 5 to 40 years. Many people align the term with their mortgage, their youngest child reaching adulthood (e.g., age 18 or 21), or their planned retirement age.

In most cases, yes. Payments received under a family income benefit policy are generally free from income tax. However, the policy may form part of your estate for inheritance tax purposes unless it is written in trust. Speaking to a financial adviser or tax specialist is recommended.

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