📖 Freelancer Guide
The Freelancer’s Guide to Income Protection
Feast and famine is survivable. A long spell unable to work is the bit worth insuring.
Get a Free Quote →Freelancers are used to managing a lumpy income — quiet months, busy months, the lot. What is much harder to ride out is a stretch where you simply cannot work at all. There is no employer sick pay, and savings that were meant for the quiet months disappear fast.
Income protection is built for exactly that scenario, and it can be shaped around an income that refuses to sit still.
Quick Answers
Freelancer Cover — Quick Questions
How do you insure an income that changes every month?
We average your recent earnings to set a benefit you can actually claim, rather than tying it to a single payslip you do not have.
Does it cover burnout or stress?
With the right policy, yes — mental-health-related absence such as stress and burnout can be claimed, which matters for solo workers.
I work through a limited company — does that change things?
It can help. Executive Income Protection lets the company pay and covers salary plus dividends, so incorporated freelancers are not under-insured.
What is the cheapest sensible starting point?
Cover can begin from around £9 a month, with the benefit level set to match what you realistically need to keep going.
Good to know: This guide is general information to help you weigh up your options — it is not personal financial advice. Cover, premiums, exclusions and any tax treatment depend on your individual circumstances and the insurer’s assessment. LifeInsuranceForMe is an FCA-regulated insurance broker; speak to us for a recommendation tailored to you.