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Anyone can get ill and it can prevent you from working. This is why it can be useful to have Income Protection insurance so that you can continue to receive a monthly income if anything like this happens.
When the policy pays out, you will receive a lump sum in monthly payments until you are able to return to work or retire. Before you receive your payments, for the deferred period you will be expected to use some of your savings, an employee sickness scheme or some other source of income to live off. This period can be defined upon taking out your policy; the shorter the deferred period, the higher your monthly premiums will be.
Each policyholder will have a different set of terms, no two people will be the same. As your protection and mortgage broker in Hull, we will work alongside you throughout the whole process. The first step is to try and find the right policy for you and set the correct specifications so that the terms fit your personal and financial situation.
We have dealt with customers that haven’t needed their policy, however, the risk of not having one can outweigh the costs of having one. If your situation changes and you don’t have a backup in place, you may struggle to compensate for the lost income. Feel free to contact our team in Hull for more advice on Income Protection or any other kind of insurance.
A large number of employers offer this as a part of their employee benefits package, therefore, some applicants may already have Income Protection insurance in place. This means that you will not have to take out another policy unless you switch to an employer that does not offer it.
People may opt to use their savings instead of taking out Income Protection. If you choose this option, you may need to think about how you’d be able to afford living costs if you were to get ill again.
If you would rather save your money and have a policy in place to provide the payments, Income Protection could be the best solution for you.
There are other alternative policies such as Critical Illness insurance, however, this tends to cover life-long diseases or disabilities that will put you out of work for life.
Before making a decision, we recommend consulting with a qualified protection and mortgage advisors in Hull. As experienced professionals, we will evaluate your personal and financial situation, helping you find the most appropriate insurance product tailored to your specific needs.
At Hullmoneyman, we offer every customer a free initial insurance review, no matter their situation and always provide expert mortgage advice in Hull. We will go through your personal and financial circumstances and check whether Income Protection is the right option for you. Factors such as your lifestyle, age and medical history can affect the monthly premiums that you will have to pay on your policy.
Income Protection insurance can be costly, and even more so if you choose for a short deferred period with your policy. If you have other Insurance policies in place, it could be beneficial to work out the total costs and what you are covered for.
Before taking out your policy, you should be aware of the specifics, when it pays out and the conditions that come with the policy. Your Protection Advisor in Hull will help with this.
For insurance business we offer products from a range of insurers.
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188 5 Star Reviews
Jake Coulson
Chris was very friendly and made this whole process painless. Would highly recommend.
23 Oct 2026
Ava Applegate
10/10 would recommend. Always kept us updated and quick replies. Very friendly. Thank you so much Joe and Jason.
5 Oct 2026
kieren ward
I had a fantastic experience with Hull Money Men, and I cannot recommend them highly enough. From start to finish, the entire mortgage process was smooth, transparent, and completely stress-free. A special mention must go to Jason Harros, who went above and beyond to secure the best possible deal for me. His expertise, professionalism, and dedication were outstanding. He took the time to explain every detail, kept me updated at every stage, and was always available to answer my questions.If you looking for a reliable, efficient, and friendly mortgage broker in Hull, look no further than this team. Five stars all the way. Kieren
28 Sep 2026
Pete Clements
Perfect from start to finish , kept me informed on the progress of the mortgage all the way and was always available to talk on the phone and answering email promptly .
25 Sep 2026
Harvey Kemp
Everything I have needed they have covered Alex has always been there on the phone ready to answer and help me out a plan in place for what’s best and Joe working behind the scenes making sure everything is getting pushed and documents are going where they need to. Would highly recommend as I’m a first time buyer and couldn’t have gone smoother
16 Sep 2026
Shnyar Kamal
I highly recommend UK Moneyman to anyone looking to buy their first home as my experience was excellent with them. As a first time buyer, I was so confused and stressed out about everything as I had no idea how and where to start and what to do at all. Mortgage was used to be the most complicated matter for me to get my head around and now I have my offer ready! I am so lucky that for some reason I contacted UK Moneyman and got my first appointment with Chris Wardill. Chris is an exceptional mortgage advisor and he has been extremely helpful, patient and supportive throughout the whole process. He never hesitated to explain everything as many times as it took me to understand things properly. He was always responsive, respectful, professional and never made me feel bad for being the most confused person about everything. I highly appreciate and admire his patience and great support in every bit of this exhausting and stressful process. The best part was that he was always cheerful, friendly and super kind in every way. We cannot say thank you enough for everything. Amy Kerwick was also super helpful in every way, her calm and patient manner was everything I needed at the time and she always made sure she explained everything thoroughly and that I understood everything about the next steps. Amy was always updating me on every step and explained what the next steps would be. They never missed out on any detail and this made the process go smoothly and way less stressful than it is. The members of the admin team were always friendly and helpful too. Thank you so very much Chris and Amy, you both are wonderful people who know how to do your job in the most professional way.
29 Aug 2026
Hannah M
Excellent service from our advisors, very quick and efficient in sorting our mortgage
25 Aug 2026
Jasmin Devine-Runkee
We had a fantastic experience with Hullmoneyman. From start to finish, we were guided with clear, informative, and accurate advice. There was no unnecessary hassle, and Conor and Jo kept us regularly updated throughout the process, ensuring we always knew what was happening and were quick to respond to any of our questions - even daft ones! They made what can be a stressful process of arranging mortgage and life insurance, feel straightforward, informative, and stress-free. At times I’d say it was even entertaining! They saved us a significant amount of time and money. We are very happy with the service we received and have already recommended Conor & Jo to our friends and family.
22 Aug 2026
Lucy Shakespeare
Would highly recommend, we had Jason and Joe and it could have not gone any smoother than it did, really happy with the service. They really go above and beyond and got us the best mortgage rate than other mortgage brokers couldn’t!
13 Aug 2026
Michael Edwards
Excellent service, really helpful and great to deal with.
10 Aug 2026
Your protection advisor in Hull will discuss your health history with you, gathering essential information to make well-informed decisions.
With access to a vast array of insurance products, our team will search extensively to find the most suitable coverage to protect you and your family.
Once we identify the most suitable insurance product for you, we will submit your application to the provider. On occasion, the policy provider may request additional information from us before considering your application.
For customers who have obtained their mortgage through us, we will proactively reach out to you during the remortgage process. This presents an ideal opportunity to review any existing policies you have in place.
As a specialist Mortgage and Protection Advisor in Hull, we know how important it is to have the right policy in place that has the correct terms and specifications to fit your personal and financial circumstances.
We have been helping clients for over 20 years now. Our team is trained, knowledgeable and hardworking; trying to find that perfect policy for you is our number one priority.
Your dedicated protection and mortgage advisor in Hull will be open and honest with you at all times, only recommending you a deal that benefits and suits your circumstances. From start to finish, they will be right by your side.
We have collected some excellent reviews! Take a look at what past customers have said about our service and their experience with us. Head over to our reviews page to find out more.
If you are thinking about taking out more than one insurance policy at one (menu plan), we can also help with that. Just get in touch with our team and find out more!
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Hullmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Hullmoneyman 2009–2026
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Hullmoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Hullmoneyman 2009–2026
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