Income Protection Kent | Kings Gate Finance

Income Protection

Securing Your Household Income

Life doesn’t always go to plan. An illness or injury that stops you from working—even if it isn’t “critical”—can have a serious impact on your household finances. That’s where Income Protection comes in.

At Kings Gate Finance, we help you prepare for the unexpected by offering advice on policies that can provide a regular monthly income if you’re unable to work due to illness or injury. This can give you the financial breathing room you need while you focus on recovery.

What If Your Income Suddenly Stopped?

If you’re employed, your company may offer sick pay—but only for a limited time. Once that runs out, what would you live on? Many people assume they can fall back on state benefits, but these are often not enough to maintain even a basic standard of living.

Let’s face it—household expenses don’t stop because you’re unwell. Whether it’s:

Mortgage or rent payments
Utility bills
Weekly food shops
Childcare or school costs
Loan or credit card repayments

These costs add up quickly. And while it’s tempting to think you could lean on friends or family, or simply “cut back,” that’s often not a sustainable long-term solution.

A Smarter Way to Protect Your Future

Income Protection policies are designed to replace a percentage of your income, typically up to 70%, until you’re well enough to return to work—or until the policy ends. You choose how long the payments would last, whether it’s for a few years or right up to retirement age.

This protection gives you more than just money—it gives you peace of mind. Knowing that your essential bills are covered allows you to concentrate on getting better, without financial stress.