What’s the Maximum Amount of Cover With Income Protection?

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13/08/2025
7 mins

How Much of Your Income Can Be Covered?

Most Income Protection policy providers will allow you to cover up to 70% of your gross (pre-tax) income. Also called the “sum assured”, the higher this payout percentage, the higher your premiums.

Do You Need the Maximum Level of Cover?

It’s natural to want to go for the biggest amount of cover available, but it’s advisable to really think about how much cover you actually need.

For example, if your expenses are £1,500 per month do you really need to pay the extra premium for £2,000 worth of cover? In most cases, it’s best to align your sum assured with your core monthly outgoings.

What About Business Income Protection?

If you work through your own limited company you may be able to take out Executive Income Protection which will allow you to cover up to 80% of your income.

These director plans are owned and paid for by your business. Should you need to claim, the payments would be made to the business who would then need to distribute the funds to the individual as income (which would be taxed accordingly).

Finding the right Income Protection cover can be confusing, which is why it’s best to speak to an independent adviser before buying a policy. Our advice is fee-free, and we’re able to search the entire market to find the right policy for your needs. Call 02084327333 or email help@drewberry.co.uk to find out your options.

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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