Builder Ben Lays Firm Foundations With Income Protection

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Ben’s story

Although still a young man, 23 year-old Ben from Harrogate, North Yorkshire has already taken steps to protect his income in the case of ill health or accident.

These days, Ben works as a self-employed bricklayer and builder but it wasn’t always this way.

“I left school at age 16 and went straight to an apprenticeship with a local building firm,” explains Ben.

builders income protection insurance
Ben hard at work

“After completing my apprenticeship,” he says, “I spent the next three years as a full-time employee so I had a ‘safety net’ to fall back on in case I was ill or unable to work.

“About 18 months ago, I decided that I’d be better off if I turned self-employed as it meant I could take on larger projects while still working for the same company that I started with. The move has worked out really well for me,” he says.

“I never thought about it to begin with,” he says, “but after a year or so, I realised that my earnings were vulnerable if I was sick or got in an accident. So I started to look around for some insurance that could provide the kind of protection I needed.”

Self-Employed Income Protection Ticks All the Boxes…

Ben spent some time investigating his Self-Employed Income Protection options online which quickly led him to Drewberry’s site.

Ben and his dog

“The site was just what I was looking for,” says Ben. “It let me work out exactly how much cover I could get for how much and to come up with three or four main options.

“By the time I spoke to a Drewberry adviser,” he says, “I already had a good feel for how the cover would work and my adviser was quickly able to help me pin down the best option for my needs.”

Income Protection Payout Rates Provide Peace of Mind

“I was surprised to learn from my adviser that payout rates for Income Protection were well over 90%, which was quite reassuring.

”Meanwhile, the process itself couldn’t have been smoother,” says Ben.

“After we agreed the best policy for my needs my adviser took care of all the details and, in no time, I had the cover I had needed,” he says.

Drumroll, Please…

Although Ben works hard during the day, he doesn’t neglect his hobbies.

He’s never too tired to jump on the drum kit he keeps in the Harrogate home he shares with his partner Sarah, while at weekends he still enjoys motocross riding among his other hobbies.

Self-employed income protection provides a safety net for those without sick pay
Ben’s drum kit

“Because I’m still relatively young,” he says, “I’ve been able to lock in a low premium that will rise in line with the insurer’s age bands, but it’s still a lot cheaper than what other insurers offer for my occupation.

“For just a few pounds a week I’ve protected my income from whatever might happen in the future,” says Ben.

“It means I can focus on my work and on enjoying my leisure time without having to worry about how to keep a roof over our heads if the worst should happen,” he says.

sam barr-worsfold independent protection expert at drewberry

Nailing Down the Right Self-Employed Sickness Insurance

Ben’s Drewberry adviser, Sam Barr-Worsfold, explains: “Because Ben chose to address this while still young, we were able to lock-in great low-cost protection for him. We chose an Income Protection policy from Shepherds Friendly as, unlike many, they can pay out the benefits within just two weeks of a claim, which is exactly what Ben needed.”

Down the road, Ben can also choose to extend the deferral period as needed. If his savings grow over the years he might decide that they’re sufficient to help carry him over any short-term illness or incapacity. This means that he can increase the deferral period on his benefits, which will help bring down his premiums still further.

Need Income Protection Advice?

If you find yourself in a similar position to Ben and are looking to set-up suitable financial protection to look after you and your loved ones then please don’t hesitate to get in touch.

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to let us help.

  • There is no fee for our service
  • We are independent and impartial
    Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
  • We’ve got bargaining power on our side
    This allows us to negotiate better premiums for you than you going direct yourself.
  • You’ll speak to a dedicated expert from start to finish
    You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
  • Benefit from our 5-star service
    We pride ourselves on providing a 5-star service, as can be seen from our 3703 and growing independent client reviews rating us at 4.92 / 5.
  • Gain the protection of regulated advice
    You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
  • Claims support when you need it the most
    You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.
Tom Conner Director at Drewberry

If it is all getting a little confusing and you need some help we are only at the other end of the phone.

Please don’t hesitate to pop us a call on 02084327333 or email

Tom Conner

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Drewberry Ltd registered office: Telecom House, Preston Road, Brighton, England, BN1 6AF. Telephone 0208 432 7333

Drewberry Ltd (Financial Conduct Authority No. 505473) is an Appointed Representative of Quilter Wealth Limited and Quilter Mortgage Planning

Limited, which are authorised and regulated by the Financial Conduct Authority.