Secure Your Family's Financial Future
If you could not work tomorrow, how long could your family manage? MomPlans connects you with an FCA-regulated adviser who helps you close the income gap before it becomes a crisis.
Income gap analysis
Find out exactly how long your employer sick pay lasts and what the shortfall would be for your family.
Personalised policy comparison
Your adviser compares income protection policies from across the whole UK market to find your best option.
Plain English guidance
No jargon, no pressure. Your adviser explains deferred periods, benefit periods and definitions of incapacity clearly.
1 in 4
UK workers will be unable to work for over a month during their career
£116.75
Statutory Sick Pay per week, the only UK safety net for most employees
£0
Cost to use MomPlans and speak to an FCA-regulated adviser
SSP alone will not keep your family afloat.
Statutory Sick Pay pays just £116.75 per week and stops after 28 weeks. For most families, this covers barely a fraction of essential outgoings.
Income protection bridges the gap between what you receive when unable to work and what your family actually needs, paying monthly until you recover or retire.
SSP runs out after 28 weeks
Statutory Sick Pay is just £116.75 per week for a maximum of 28 weeks. After that, most employees receive nothing from their employer. Could your family manage on that?
Mortgage and rent still need paying
If you cannot work, your fixed costs do not pause. Income protection can replace up to 70% of your gross income so your family keeps their home and lifestyle.
Most illnesses, not just accidents
The biggest causes of long-term absence are mental health conditions, cancer and musculoskeletal issues, not accidents. These are all typically covered by income protection policies.
FCA-regulated, whole-of-market protection specialists
MomPlans works only with advisers who are authorised by the Financial Conduct Authority and have specialist knowledge of income protection products across the UK market.
Regulatory references
Three steps to protecting your income
Share your income and outgoings
Tell us your salary, employer sick pay entitlement and your key monthly expenses. We will calculate the exact cover you need.
Get matched with a specialist adviser
MomPlans connects you with an FCA-regulated adviser who specialises in protection and understands your employment situation.
Compare policies and choose with confidence
Your adviser presents options tailored to your budget, deferred period preferences and occupation class. No pressure, just clarity.
They protected their income. You can too.
"As a freelancer I had no sick pay whatsoever. After speaking to my MomPlans adviser I realised how exposed we were. Getting cover sorted gave me real peace of mind."
"I thought teachers had good sick pay. My adviser explained my employer's policy runs out after six months and showed me a policy that kicks in right when I would have no income."
"My adviser found me own-occupation cover which means I am protected if I cannot do my specific job, not just any job. That distinction matters enormously for healthcare workers."
Testimonials recreated for illustration purposes.
Why families trust MomPlans
FCA-regulated advisers
Every adviser in the MomPlans network is authorised by the Financial Conduct Authority and holds professional indemnity insurance.
Whole-of-market access
Your adviser compares income protection policies from all major UK providers, including specialists for higher-risk occupations.
UK GDPR compliant
Your data is never shared without your explicit written consent. MomPlans is fully compliant with UK data protection law.
No commission bias
Your adviser has a legal duty of care to recommend the policy that is right for you, not the policy that pays the highest commission.
Your questions answered
What is income protection insurance?+
Income protection is a long-term insurance policy that pays you a regular tax-free income if you cannot work due to illness or injury. Unlike critical illness cover, it is not a lump sum; it pays monthly until you return to work, retire or the policy term ends. It typically covers up to 70% of your gross earnings.
How does income protection work in the UK?+
You choose a deferred period (the waiting time before payments begin, usually 4 weeks, 8 weeks, 13 weeks, 26 weeks or 52 weeks) and a benefit period (how long payments last, either to a set age such as 65, or for a fixed term such as 2 or 5 years). Premiums depend on your age, occupation, health and the level of cover you select.
What is the difference between income protection and critical illness cover?+
Critical illness cover pays a one-off lump sum if you are diagnosed with a specific serious illness listed in the policy. Income protection pays a monthly income for as long as you cannot work, regardless of the specific condition. Both can complement each other, and an adviser can help you decide which is most appropriate for your situation.
What does own-occupation mean?+
Own-occupation is the most comprehensive definition of incapacity. It means you receive a payout if you cannot perform your specific job, not just any job. This is particularly important for skilled professionals and healthcare workers. Some cheaper policies use a suited occupation or activities of daily living definition, which is significantly harder to claim on.
Is income protection expensive?+
Premiums depend on your age, health, occupation and the level of cover. A healthy 35-year-old non-smoker in a low-risk occupation can typically get £2,000 per month of own-occupation cover with a 13-week deferred period for around £30 to £50 per month. Your adviser will find the most competitive quote from across the market.
Can I get income protection if I am self-employed?+
Yes. Income protection is often even more important for self-employed people and freelancers, as there is no employer sick pay at all. Your adviser will help you structure a policy based on your typical earnings and business expenses.
Find out your income gap in under 5 minutes.
Answer a few questions about your income and outgoings. MomPlans will connect you with an FCA-regulated adviser who will show you exactly what cover you need and how much it costs.
- Free income gap analysis
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- Whole-of-market comparison
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- FCA-regulated advisers
MomPlans is a free matching service connecting consumers with FCA-regulated financial advisers. We do not provide financial advice. Income protection premiums and benefit amounts quoted are illustrative only and will vary based on individual circumstances, health and the specific policy chosen.