Is There a Policy Which Combines Life Insurance and Income Protection?

Online Quote & Apply
22/09/2025
7 mins

Combined Life and Income Protection Insurance

If you’re looking to get protected, for example when taking out a mortgage, you might want to protect both the total outstanding debt should you pass away as well as the monthly mortgage repayments should you become too ill to work.

In this case, you’d need a combination of Life Insurance and Income Protection.

  • Life Insurance will pay out a lump sum on death to pay off any outstanding mortgage balance.
  • Income Protection will pay out a monthly income to replace lost earnings including your mortgage if you are too ill or injured to work.

Separate Income Protection and Life Insurance is Usually Cheaper

It’s usually more cost-effective to look at each policy independently, setting up each policy specifically for its purpose rather than a one-size-fits-all approach.

This is particularly important if you’re a company director or work in a high-risk environment, as a number of providers have specific products for these situations.

Use our online quote tool to compare pricing and policies from all the leading UK insurers:

If you’re self-employed, a company director, or have existing health conditions, there are a number of insurers which may be more appropriate than those we can quote online.

If you need any help making sure you are setting up the most appropriate cover then please do not hesitate to pop us a call on 02084327333 or email help@drewberry.co.uk.

Why Speak to Us?

We started Drewberry™ because we were tired of being treated like a number.

We all deserve a first class service when it comes to issues as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

Contact Us

Head Office
7th Floor Corn Exchange
55 Mark Lane
London
EC3R 7NE
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
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If you are unhappy with our service, we have a complaints procedure, details of which are available upon request. If you are unhappy with how your complaint has been dealt with, you may be able to refer your complaint to the Financial Ombudsman Service (FOS). The FOS website is www.financial-ombudsman.org.uk.

Drewberry is a trading name of Brown & Brown Health and Employee Benefits Ltd which is authorised and regulated by the Financial Conduct Authority. FCA Number 312878. Registered in England and Wales (company number 3910149). Registered address: 7th Floor, Corn Exchange, 55 Mark Lane, London, EC3R 7NE.

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