At Yellow Financial Services, we help clients across Boston, Lincolnshire and beyond find the right protection to suit their needs. With over 50 years of combined experience, we provide clear, personalised advice to help you protect your income with confidence.
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If you rely on your income to cover your bills, mortgage, and day-to-day living costs, protecting it should be a priority.
Short term income protection insurance is designed to provide financial support if you’re unable to work for a limited period, helping you stay on top of your commitments while you recover.
Please note for these insurance products, terms and conditions apply. This information is a summary only.
You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.
As with all insurance policies, conditions and exclusions will apply.
The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
Short term income protection insurance is a policy that pays you a monthly income if you’re unable to work due to illness or injury, typically for a limited period such as 12, 18, or 24 months.
Unlike long-term income protection, which can pay out until retirement or death, short-term cover is designed to provide temporary financial support during shorter periods off work.
This can help you:
Cover essential bills
Keep up with mortgage or rent payments
Maintain your standard of living
This is a common question – and it’s important to understand the difference.
Payment Protection Insurance (PPI) was a product historically linked to loans, credit cards, and mortgages. It became widely associated with mis-selling and is no longer commonly used in the same way.
Today, the modern equivalent is often referred to as:
These newer products are designed to provide clearer, more flexible protection tailored to your income and circumstances.
Most policies provide cover if you’re unable to work due to: Illness, Injury, Accidents.
Some policies may also include unemployment cover (ASU), depending on the provider.
The aim is to ensure you continue receiving an income while you’re temporarily unable to work.
Understanding exclusions is essential when choosing any protection policy.
Short term income protection may not cover:
Pre-existing medical conditions
Voluntary redundancy
Minor or short-term illnesses (depending on policy terms)
Certain high-risk activities
We’ll always explain the details clearly so you know exactly what you’re covered for.
Short term income protection may be suitable for:
Employed individuals with limited sick pay
People looking for lower-cost protection options
Those wanting short-term financial cover
Individuals who already have some long-term protection in place
It’s particularly useful if you want a simple, affordable safety net.
Most policies allow you to cover:
The right level depends on:
Your monthly expenses
Mortgage or rent payments
Financial commitments
We’ll help you calculate a level of cover that keeps you financially secure without overpaying.
Choosing between short-term and long-term cover depends on your needs.
Short Term Income Protection:
Pays out for a limited period (e.g. 12–24 months)
Lower monthly premiums
Suitable for temporary financial protection
Long Term Income Protection:
Can pay out until you return to work, retire or death.
Higher level of long-term security
Typically higher premiums
In our experience, short-term cover can be a cost-effective option for those looking for immediate protection.
The cost of cover depends on several factors:
Short-term policies are generally more affordable than long-term income protection, making them an attractive option for many people.
There are many different providers and policy options available, each with varying levels of cover and terms.
At Yellow Financial Services, we:
Our goal is to help you protect your income with confidence.
Your income supports your lifestyle, your home, and your future – protecting it is one of the most important steps you can take.
At Yellow Financial Services, we provide clear, personalised advice to help you find the right short-term income protection policy for your needs.
Book your no obligation consultation today.
Take the first step towards protecting your financial future today.
Your details will only be used to answer your enquiry.
The internet is not a secure medium and the privacy of your data cannot be guaranteed.
As a local protection advisor based in Boston, we understand the needs of individuals and families in the area.
We regularly help clients: Protect their income and lifestyle, Prepare for unexpected events, Put practical financial protection in place.
Our local knowledge and personal approach mean you’ll receive advice that’s clear, relevant, and tailored to you.
For many people, yes – especially if you rely on your income and don’t have long-term sick pay benefits.
Typically between 12 and 24 months, depending on the policy.
Yes, many policies allow multiple claims, provided you meet the conditions.
Generally, yes – short-term cover usually has lower monthly premiums.
