Why do recruitment consultants need income protection?
Income protection for commission-based recruitment consultants is assessed on your average earnings over recent years. Monthly payments of up to 70% of your average income provide financial security if illness or injury prevents you from working — an essential safety net when base salaries are low and commission is the primary earning.
How does income protection work for recruitment consultants?
Income protection pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work, reach the policy end date, or die.
How much does income protection cost for recruitment consultants?
Recruitment consulting is usually Occupation Class 1 for income protection — offering the most competitive premiums. A healthy 35-year-old recruitment consultant looking for £1,500/month benefit typically pays £25–£55/month depending on the deferred period and occupation class.
Own occupation vs any occupation
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job. "Any occupation" cover is much harder to claim on and is generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for income protection. Recruitment consulting is usually Occupation Class 1 for income protection — offering the most competitive premiums.
Long-term policies pay until you return to work or retire. Short-term policies (1–2 years per claim) are cheaper but provide less protection.
Yes — income protection is especially important if you're self-employed, as there is no employer sick pay to fall back on.