{"id":38285,"date":"2026-03-16T10:45:21","date_gmt":"2026-03-16T15:45:21","guid":{"rendered":"https:\/\/www.bbrown.com\/?page_id=38285"},"modified":"2026-03-19T09:43:13","modified_gmt":"2026-03-19T14:43:13","slug":"executive-income-protection","status":"publish","type":"page","link":"https:\/\/www.bbrown.com\/uk\/executive-income-protection\/","title":{"rendered":"Executive Income Protection"},"content":{"rendered":"

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\n Executive Income Protection\n <\/h1>\n\t

Safeguarding earnings for key employees<\/p>\n <\/div>\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tRequest a Quote<\/span>\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n\t\n[\/vc_column][\/vc_row][vc_section][vc_row][vc_column]
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Overview<\/h3>\n
\n Executive Income Protection provides financial security for high-earning employees who are unable to work due to illness or injury. Unlike standard income protection policies, this cover is tailored to suit executives or senior staff, often with higher salary levels and more complex financial commitments. It typically replaces a percentage of the individual\u2019s salary, ensuring ongoing income during periods of incapacity, while maintaining business continuity and personal stability. Selecting the right policy involves consideration of benefit levels, waiting periods, policy terms, and any pre-existing health conditions. By securing Executive Income Protection, organisations can retain key talent, support staff wellbeing, and provide reassurance that executives\u2019 financial obligations are met, even during extended periods away from work due to illness or injury. <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n[vc_empty_space][vc_column_text css=””]With a variety of providers and policy structures available, selecting the most appropriate cover can be complex. We help you\/businesses navigate this market, providing guidance on coverage levels, terms, and claim scenarios.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]\n
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Ready to help minimise your risk and uncertainty?<\/p>\n

\n Request a Quote.\n <\/h2>\n\t\n <\/div>\t
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\n How We Can Help\n <\/h2>\n\t\n <\/div>[vc_column_text css=””]Executive Income Protection is a crucial component of employee benefits for senior staff, providing peace of mind and financial security if illness or injury prevents work. Our role is to simplify the complex market and help businesses and executives select suitable, cost-effective protection.<\/p>\n

We begin by assessing the individual\u2019s role, salary, and financial responsibilities. This includes reviewing existing benefits, potential income replacement needs, and any medical considerations. From there, we compare policies from multiple providers, focusing on benefit levels, waiting periods, exclusions, and flexibility in claim conditions. Our goal is to help find cover tailored to the executive\u2019s specific circumstances and provides meaningful protection.<\/p>\n

Being independent allows us to provide a broad view of the market, highlighting key differences between policies and helping executives and businesses make informed choices. We also advise on practical considerations, such as integration with pensions, other income protection policies, and corporate arrangements for premium funding.<\/p>\n

Our support continues beyond placement, including regular policy reviews, adjustments for salary changes or health developments, and guidance on claims processes. By taking a holistic approach, we help executives to feel secure in their financial future while employers demonstrate a commitment to staff wellbeing and retention.[\/vc_column_text][\/vc_column][vc_column width=”1\/3″][vc_single_image image=”38299″ img_size=”full” alignment=”center” css=””][\/vc_column][\/vc_row][\/vc_section][vc_row el_id=”form”][vc_column width=”1\/2″]\n

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\n Request a Quote\n <\/h2>\n\t\n <\/div>[vc_empty_space height=”16px”][vc_column_text css=””]<\/p>\n
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  • Simple & Efficient \u2013 Request a quote now<\/li>\n
  • Trusted Advisors \u2013 Nationwide specialists<\/li>\n
  • Exceptional Service \u2013 Rated by real customers on Feefo<\/li>\n<\/ul>\n

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    \n Your Questions, Answered\n <\/h2>\n\t\n <\/div>[vc_tta_accordion][vc_tta_section title=”What is Executive Income Protection?” tab_id=”1759938794153-b1e344a8-254a”][vc_column_text css=””]Executive Income Protection provides a replacement income for senior employees if they cannot work due to illness or injury. It typically covers a percentage of salary, offering financial security during periods of incapacity. Policies are designed for high earners with complex financial responsibilities and may include enhanced features or higher benefit limits than standard policies. We help businesses and executives compare providers, understand policy terms, and select options that provide meaningful protection, ensuring peace of mind for both the individual and the organisation during times of absence due to health issues.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Who should consider Executive Income Protection?” tab_id=”1759938794177-302328c1-6f89″][vc_column_text css=””]Senior staff, directors, or high-earning employees are the primary beneficiaries of Executive Income Protection. These individuals often have higher financial obligations, including mortgages, personal investments, or family responsibilities. Having cover in place provides peace of mind that income continues if they are unable to work due to illness or injury. We assess the individual\u2019s circumstances, existing benefits, and risk profile, guiding businesses in providing tailored protection that maintains employee confidence, retention, and financial security.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”How are claims handled?” tab_id=”1759938794195-68a11cc8-923c”][vc_column_text css=””]Claims for Executive Income Protection are typically assessed based on medical evidence and the policy\u2019s definition of incapacity. Once eligibility is confirmed, the insurer pays the agreed benefit until the individual can return to work or reaches the policy limit. We provide guidance on submitting claims, required documentation, and liaising with insurers, helping to make as smooth and straightforward as possible. The goal is to support both the executive and the employer during periods of absence.[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Can the policy be adjusted over time?” tab_id=”1763986069289-009f8609-8174″][vc_column_text css=””]Yes. Executive Income Protection can be updated to reflect changes in salary, role, or health status. Policies can also be reviewed periodically to help benefit levels remain appropriate. We help businesses and individuals manage these reviews, ensuring coverage continues to provide meaningful protection and aligns with evolving circumstances. This proactive approach maintains peace of mind for both the executive and the organisation.[\/vc_column_text][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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