TL;DR:
Income Protection
Safeguard your income with expert advice from Ann Evans – tailored protection that pays you if illness or injury stops you from working.
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Replaces lost income due to accident or long-term illness
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Tax-free monthly payments to support your financial commitments
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Independent, whole-of-market guidance with over 35 years’ experience
Because Life Doesn’t Pause When You Can’t Work
How would you pay the bills if illness or injury prevented you from working for weeks or months – or even longer?
Income Protection Insurance provides a regular, tax-free monthly income if you’re unable to work due to sickness or injury. It helps cover essentials like your mortgage, utilities, and everyday living expenses, giving you space to recover without added financial strain.
I’m Ann Evans, and for more than 35 years, I’ve helped people plan for life’s “what-ifs” with practical, personal insurance advice. I’m here to help you put cover in place that fits your lifestyle, career, and financial responsibilities.
What Does Income Protection Cover?
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A monthly benefit paid if you can’t work due to accident or illness
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Long-term cover until you’re well enough to return – or until retirement, depending on the policy
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Flexible options including deferred periods, benefit caps, and self-employed cover
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Often more comprehensive than standard sick pay from employers
It’s not just for high earners or sole traders – income protection is valuable for anyone who relies on their income to pay their mortgage, rent or household bills.
Why Choose Income Protection?
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Protect your mortgage repayments, rent, or family’s cost of living
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Maintain your financial independence during recovery
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Avoid reliance on savings, credit cards, or state benefits
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Peace of mind knowing you can focus on your health – not your bank balance
Personalised, Independent Advice You Can Trust
Every income protection policy is different, and choosing the right one can be confusing. That’s where I come in.
As an independent adviser, I compare a wide range of whole-of-market providers to find the right fit for your needs, including:
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Occupation class cover – protecting your specific job role
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Level or increasing benefits to keep up with inflation
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Guaranteed vs reviewable premiums
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Optional extras like fracture cover or hospital benefit
And I’ll explain all your options clearly – no jargon, no pressure.
Why Clients Choose Me
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Over 35 years of industry experience
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A personal, one-to-one approach
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Trusted advice with access to leading insurers across the UK market
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Ongoing support, from setup to claim
I’m here to make the process simple and reassuring – and help you make confident decisions about your financial future.
Let’s Secure Your Income Together
If you’d struggle financially without your salary, income protection is worth a conversation. Let’s talk about how I can help you stay protected – whatever life brings.