Real Stories, Real People
Income protection isn't about statistics — it's about people. Here's what it looked like when it mattered most.
Self-employed childminder · Leeds
A slipped disc nearly cost Sarah everything. Her policy didn't let it.
At 34, Sarah was running a thriving childminding business from home. Then a slipped disc left her unable to work for nine months — and her income protection policy covered every penny of her mortgage.
9 months
Unable to work
£10,800
Total paid out
£0
Mortgage missed
Freelance IT consultant · Manchester
James faced cancer at 41. He faced it without financial worry.
When James was diagnosed with cancer, the last thing he needed was money stress. His income protection policy paid £2,500 a month for over a year — letting him focus completely on getting better.
14 months
Unable to work
£27,500
Total paid out
4 people
Family supported
Primary school teacher · Bristol
Emma didn't know IP covered mental health. Now she tells everyone.
Burnout and severe anxiety left Emma unable to work for seven months. What surprised her most? Her income protection policy covered it — and she didn't have to prove anything beyond her doctor's note.
7 months
Unable to work
£11,550
Total paid out
Yes
Mental health covered
Self-employed builder · Birmingham
No sick pay. No savings buffer. Tom had one thing working in his favour.
A fractured wrist on site left Tom unable to work for five months. As a self-employed tradesman with no employer sick pay, his income protection policy was the only thing standing between him and serious debt.
5 months
Unable to work
£9,000
Total paid out
£0
Debt accumulated
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