Why use an Income Protection Broker?
Statutory Sick Pay is £116.75 per week — barely enough to cover a mortgage, let alone everything else. Income protection insurance replaces your income (typically 50–70% of earnings) if illness or injury prevents you from working. But policies vary hugely in their deferred periods, payout terms, occupation definitions and premium rates. An independent broker compares the whole market to find the policy that gives you the best protection for the lowest premium.
Up to 70% of salary
Replaces your income so your family's life doesn't stop because you're ill.
Occupation definitions
'Own occupation' definitions pay if you can't do your specific job — the gold standard your broker will seek.
Deferred period choice
Choose when payments start (4, 8, 13, 26 or 52 weeks) to match your sick pay entitlement and savings.
Long-term cover
Policies can pay until retirement age — not just for 1 or 2 years like many cheaper alternatives.
Ready to find your perfect Income Protection Broker?
Free matching · No obligation · FCA regulatedWhat our customers say
"I'd been putting off finding a income protection adviser for years. Nesto matched me in literally two minutes and the adviser they found was brilliant — saved me thousands."
"The adviser Nesto matched me with was incredibly knowledgeable and patient. He explained everything clearly and found me a deal I never would have found on my own."
"I was sceptical about using a matching service but Nesto was genuinely impressive. Free, fast, and the adviser they found was a total expert. Highly recommend."
How Nesto works
Getting matched takes under 2 minutes. Here's the process:
Tell us what you need
Answer a few quick questions about your situation so we can understand exactly what kind of income protection adviser you need.
Get matched instantly
Our matching engine connects you with the best-fit, FCA-regulated Income Protection Broker from our vetted adviser panel.
Get expert advice — free
Your adviser contacts you within 24 hours to arrange a free initial consultation with no obligation to proceed.
It takes under 2 minutes. It costs nothing.
58,000+ people have already been matchedWhat a Income Protection Broker can help with
Employed workers
Cover the gap between sick pay and your salary for as long as you're unable to work.
Self-employed
No employer sick pay to fall back on — income protection is essential for the self-employed.
Mortgage protection
Ensure your mortgage is covered if illness prevents you from earning.
Professionals
High-quality 'own occupation' policies for doctors, lawyers, engineers and other professionals.
Active occupations
Cover for manual workers and those with active occupations where injury risk is higher.
Maternity planning
Income protection that works alongside maternity leave provisions.
Frequently asked questions about Income Protection Brokers
Still have questions? Your matched adviser will answer them all — for free.
No obligation · FCA regulated · Takes 2 minutesWe cover every corner of the UK
Find an income protection broker near you. Nesto matches you with specialist advisers across the UK:
Covering 886 locations across the UK
Related Articles
Expert guides to help you make informed decisions
What Is Income Protection and How Does It Work?
Income protection insurance pays a monthly benefit if you can't work due to illness or injury. Learn how it works, what it costs, and whether you need it.
📖 6 min read → GuideHow Much Does Income Protection Cost?
How much does income protection cost in the UK? We explain typical premiums by age, occupation, and benefit level so you can budget for the right cover.
📖 5 min read → ComparisonIncome Protection vs Critical Illness Cover
Income protection pays monthly; critical illness pays a lump sum. We compare both products and explain which is right for your circumstances.
📖 6 min read → GuideIncome Protection for the Self-Employed
Self-employed with no sick pay? Income protection is essential. We explain how it works for freelancers, contractors, and sole traders, and how much cover you need.
📖 6 min read → GuideWhat Does Income Protection Cover?
What does income protection insurance cover and what doesn't it? We explain the conditions covered, common exclusions, and how to compare policy terms.
📖 5 min read → GuideIncome Protection Waiting Periods Explained
What deferral period should you choose for income protection? We explain 4, 8, 13, and 26-week waiting periods and how your choice affects premiums.
📖 5 min read →Ready to find your Income Protection Broker?
Answer a few quick questions and we'll match you with a qualified, FCA-regulated adviser suited to your exact situation — completely free, no obligation.
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