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What is Income Protection? Income Protection is an insurance policy that pays you a regular monthly income if you can’t work because of illness or injury. It replaces part of your salary so you can still cover everyday essentials while you recover. Most UK policies pay 50–70% of your usual income, tax‑free if you pay the premiums yourself. There’s usually a waiting period (“deferral period”) of 1–12 months before payments start. So you will need and emergency fund to cover that period. Each poli
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