in partnership with Santé Group
Personal Income Protection

If you were unable to work due to illness or injury, how long would your lifestyle remain secure?

Protecting your earnings is the foundation of a robust financial plan. As a Sovereign AI employee, you have access to a free, no-obligation consultation with the Santé Group team to explore income protection at a discounted premium.

If you decide to proceed, Santé Group will provide a comprehensive service and build a bespoke protection plan that fits your needs. There are no fees paid by you for advice.

Calculate your premium Book a meeting
What is income protection

Income that keeps paying, even when you can't.

Income Protection is a type of insurance that can pay you a monthly benefit if you are unable to work because of illness or injury. It is designed to help protect the majority of your income and support you with regular living costs such as mortgage or rent, household bills and other ongoing commitments.

Partnering with Santé Group means securing your family's future with expert guidance, giving you total peace of mind throughout your working life.

The Calculator

Use the Income Protection Calculator.

The Calculator is designed to give you an approximate indication of:

  • The likely monthly premium.
  • The level of benefit you may be able to secure.
  • A simple starting point so you can get a feel for the likely cost and cover before deciding whether you want a personalised quote.
  • The calculator is only an estimate and should not be treated as a guaranteed quote. Final terms can vary depending on underwriting, insurer pricing, age, health, deferred period, cease age, occupation and policy structure.
  • Request a personalised quote and speak to an adviser if you would like help understanding your options.
Open the calculator
How it works

A simple way to explore your options.

01

Try the calculator

Use the calculator to see an approximate premium and benefit level.

02

Request a quote

If you want more detail, request a formal personalised quote by clicking the calculator button and submitting your details.

03

Review by email

Stephen sources a tailored quote from our panel of insurers and emails it directly to you.

04

Book a meeting

If you would like advice or want to take things further, book a meeting with Stephen at Santé Group.

Why choose income protection

Why choose Income Protection?

  • Your income is one of your most important financial assets.
  • It can help replace part of your income if you are off work for a prolonged period.
  • If the policy is paid for personally, any valid claim benefit would generally be expected to be tax-free.
  • The policy will be personal to you, so it would normally continue if you move employer.
  • It gives you a structured route to expert advice if you want to explore it properly.
Calculate premium
Want more information

Book a meeting with Stephen.

If you would like help understanding your options, you can book a meeting with Santé Group. The meeting is there to help you understand what may be suitable for your circumstances, talk through the key options and answer any questions you may have.

Booking a meeting does not commit you to purchasing a policy.

Adviser: Stephen Tierney
General enquiries: stephen@santegroup.co.uk
Book a meeting Email Stephen
Frequently Asked Questions

Questions, answered.

What is income protection?
Income protection is a type of insurance that can pay you a monthly benefit if you are unable to work because of illness or injury.
Will I be called or chased if I show interest?
No. You will not be cold-called or hassled. You will only speak with the adviser if you choose to book a meeting.
Is this cover being provided by Sovereign AI?
No. This is personal cover that employees can choose to arrange individually. Sovereign AI is providing access to a process and adviser support so employees can explore the option more easily.
What is a deferred period?
The deferred period is the waiting period before the policy starts paying a benefit after you become unable to work. For example, if you choose a three-month deferred period, the policy would start paying after that waiting period has passed, assuming you still meet the claim conditions. When choosing a deferred period, it may be sensible to think about how long you feel you could manage using savings, sick pay or other resources before the policy needs to start paying benefits.
Is the benefit tax-free?
As this is a personal policy paid for directly by you, any benefit paid on a valid claim would be tax-free.
Am I committing to anything by completing the form?
No. Requesting a formal quote does not commit you to taking out a policy.
What happens if I do want advice?
You will speak to Santé Group (usually Stephen Tierney). Booking a meeting does not commit you to purchasing a policy. The meeting is simply there to help you understand your options.
What happens if I leave Sovereign AI?
Because this is a personal policy, it would usually continue as long as premiums continue to be paid and the policy remains in force.