More Than Money advice

Income Protection For NHS Workers

More Than Money are leading NHS Income Protection insurance experts. 

Call us at 01233 555 454

About Us

More Than Money is a family run business working to help protect people in the NHS.

We started the business, because we were fed up with hearing about people receiving bad advice, fed up with people not knowing why they bought their insurance or what they’re even insured for. This is the fault of poor advisers, giving poor advice.

It’s our mission to get as many people as to understand how to insure themselves, their family, and their homes.

Why You Need Income Protection Insurance For NHS

People that work in the NHS know more than most that a long term illness or injury can effect someone whatever their age is.

Our Income Protection policies are designed to work around your current sick pay through the NHS, meaning that you’ll still be able to make mortgage or rent payments while you aren’t working or on half pay. 


You'll speak directly with one of our family! There's no call centers or overseas staff here.

Personal service

Our business is very niche which allows us to offer an incredibly reliable and personalised service.

expert advice

With over 25 years experience in protecting peoples Incomes, you can trust us to find the best policy for you!

How We Helped Sarah

Client: Sarah
Insured: 03/08/2021
Occupation: Nurse
What she covered: Her mortgage payments and 1 child
How long is she covered for: until she retires
How much does she pay?: £28.72 per month

Sarah came to us after filling out our enquiry form online. She has a young child and a mortgage but no savings. 

She spoke with Sam, who found a quote which matched what Sarah needed and could afford to pay.

When Sarah was ready to complete an application, Sam was there to help her get set up from start to finish. Let’s just say Sarah is one happy customer…

How We Helped Lucy

Client: Lucy
Insured: 01/04/2021
Occupation: GP
What she covered: Household bills and rent
How long is she covered for: until she retires
How much does he pay?: £21.16 per month

Lucy came to us after filling out our enquiry form online. She wanted to make sure she could pay her rent and bills if she couldn’t work following an accident or illness.

Luke went away to research what options she had and called Lucy back to explain what he found. He put it into an email so she could go through it in his own time.

When Lucy was ready to complete an application, Luke called her back to talk her through it. 

Our Insurers

Our Process


Fill Out The Online Form
  • You can complete the quick form online within 2 minutes
  • Your responses will help us find the best policy for your situation


We Call You
  • Once we've researched and found the best policies for you we'll call you
  • This call is completely free and with no-obligation
  • After our call we'll send the policy information to your email so you can review them in detail


We Setup The Policy
  • If you'd like to go ahead with a policy we'll get everything setup for you
  • When it comes time for your policy to renew, we'll check to make sure you're getting the best deal and contact you

Get started now!

Get Insured Within 24 Hours

Our Clients

Such great service!

Always so professional, helpful, and efficient. Sam contacted me recently to see if More Than Money could save me money on my insurance policy, or if I could get a higher level of cover for what I am already paying, and it turns out they could.

Such great service contacting me so that I could save money! Thank you so much

Amber Netley

Quoted much cheaper!

Luke organised my Income insurance separately from the re mortgage I was doing. He found the same policy I had been quoted much cheaper and with the added benefit of a cash back offer! 

Luke was professional and knowledgeable and kept in contact throughout the process. I would thoroughly recommend More than Money and would definitely use the company again. Thanks Luke!

Fran Sims

Totally professional & efficient

More than money has been amazing, They assisted on life insurance for myself and partner - totally professional & efficient. For me It’s better to speak to someone who’s educated rather than use a comparison site that that will over sell the product and the guys at MTM make you aware of everything, as well as being a constant source of support - no ask was too much.

Dom Paine

Income Protection FAQs

What does Income Protection insurance cover?

Most Income Protection insurance policies are designed to pay a monthly income to you while you couldn’t work following an accident, Illness, or Injury. This is to ease pressure on you or your family financially and provide support for childcare costs, household bills or mortgage and rental payments.

How much will Income Protection cost me?

This is completely down you. There are no set premiums as it’s based on how much cover you need and your personal circumstances. The price will be higher if you have a high-risk job such as a tress surgeon or lower if you have an office-based job.

The average premium according to MoneyAdviceService is £18.35 per month, however this can vary from age groups, health factors and job types. 

Do I have to make a decision on the first call?

No. Never.

This is one of our core values to never ‘sell’ to someone and never ask them to decide on the first call.

We train all our advisors to this standard and will always allow you the time and space to decide in your own time. 

Can I make changes to my policy?

Yes you can, without any penalties or charges. We will even keep in contact with you to review the policy if your situation changes or we can find you a better deal.

How quickly can I get covered?

Insurance companies can make decisions within 24 hours. However, depending on how much cover you want and your health, they could decide to write to your GP which would mean you need to wait a couple weeks.

Do you charge any upfront advice fees?

No. Insurance advisors don’t charge upfront fees. You will only ever pay your monthly direct debit.

Income Protection Insurance

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