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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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176 5 Star Reviews
Harry Foster
These guys have been amazing from start to finish. I spoke to a mortgage broker prior to using them and the previous one wasn't particularly helpful and seemed disinterested. From the very first meeting with my assigned broker (Richard) I was given every necessary detail and talked through every step. They even help with insurance policies. Not to mention they helped me get a much bigger mortgage than I had previously thought possible. Hullmoneyman was recommended to me by a colleague and I would personally recommend them to anyone who is looking to seek mortgage advice or any other services they offer.
16 Jul 2026
Clips of flips
Would really recommend this company. We have used them for quite a few years and always relied on them to find the best deals and have found them to be helpful and professional.
2 Jul 2026
Thomas Frost
After getting let down by another company I'd thought I'd give these a go. Ami and Stacey were amazing and within a few weeks had an approved mortgage offer in place for me
18 Jun 2026
courtney alderson
Highly recommend Moneyman. Had the best experience with Jade and Joe. As myself and my partner are first time buyers we went into the mortgage appointment completely blind. Jade has been there to support us throughout the whole process and ease all of our worries. Joe has been consistently updating us with any progress and they are both very helpful and easy to chat to. Thank you so much for making this experience so easy and calm for us. Will recommend to anyone who is looking for a mortgage appointment☺️
17 Jun 2026
Sam Hesford
Tom, Jo and the team at MoneyMan were amazing. I felt supported, clear on what was happening and stress free at every step. It's worth paying a professional to get you a good deal and take some of the time and effort out of, what is already, a very time consuming and stressful process (buying a house)!
15 Jun 2026
Joe Broadley
Chris Wardill and Jo Parnell have been heroic, made my first time buying a lot more simple and a comfortable experience would highly recommend!
15 Jun 2026
Phillip Goldsmith
Take the guesswork out of getting a mortgage. Professional from start to finish. Initial consultation with the advisor, who then passes you over to specialist admin, that makes sure everything is on order, before application is made. I would highly recommend
13 Jun 2026
clark stephenson
As this was the first house I'd ever bought I was very nervous about the whole procedure. Jason and Stacey were absolutely brilliant from start to finish. No question was stupid and everything was explained thoroughly. Would highly recommend these guys if you're in the market for a house!
10 Jun 2026
Hayley Robertson
Cannot recommend Hullmoneyman enough. I have used them for years and they are always so helpful and thorough. They make the remortgage process so simple. All the team are really friendly and go above and beyond for you. Thank you so much.
13 Apr 2026
Joe Moore
Excellent service from start to finish. The whole process has been made really easy and stress-free. Warren and Paula have both been especially helpful, responsive, and great to deal with throughout. Highly recommend.
25 Mar 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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