💼 5 Reasons Why Income Protection Is a Smart Move for Under-25s

(Even If You Think You’re Too Young for It)

If you’re under 25 and just starting your career, income protection probably isn’t on your radar—but it should be.

At Keyholder Mortgages, we’re not just here to talk mortgages—we also care about protecting your financial future. Here's why income protection is one of the smartest (and most underrated) decisions you can make in your 20s.

1. 🛡️ Your Income Is Your Most Valuable Asset

Right now, your ability to earn is your biggest financial lifeline. If illness or injury stops you from working, how would you pay your bills or rent?

Income protection pays you a monthly income (usually up to 60–70% of your salary) if you're unable to work due to illness or injury—until you're back on your feet.

2. 💷 It Kicks In When Statutory Sick Pay Runs Out

Sick pay from your employer might only last a few weeks—and Statutory Sick Pay (SSP) is just £116.75 per week (2024–25 rates). That’s barely enough for your phone bill, let alone rent or groceries.

With income protection, you’ll still receive a steady income to help cover essential costs while you recover.

3. 💰 It's Way Cheaper When You're Young

The earlier you take out a policy, the cheaper it is—simple as that.

If you’re healthy and in your early 20s, you could get great cover for as little as £10–£15 a month. Wait until your 30s or 40s? The cost jumps a lot.

4. 🧠 Peace of Mind = Less Stress

Life is already full of uncertainty—especially in your 20s. Having income protection means one less thing to worry about if things go wrong.

You’ll have peace of mind knowing that if you’re unwell, your finances are still covered. That kind of security is rare (and valuable) at any age.

5. 🚀 It Supports Your Long-Term Goals

Want to buy a home one day? Start a family? Travel? Build savings?

If you were off work for 3, 6, or even 12 months without income, those goals could get knocked off track. Income protection helps you stay on course, no matter what life throws at you.

👇 Final Thought: You're Not Invincible (And That’s OK)

Accidents and illnesses don’t check your age—and no one plans to be out of work. But planning for the unexpected is one of the smartest financial moves you can make in your 20s.

At Keyholder Mortgages, we’ll help you find the right income protection plan to fit your budget and lifestyle—without the jargon or the pressure.

💬 Want to see what it would cost?

📞 Call us for a quick quote on 07869728632 📧 Or email us lois@keyholdermortgages.co.uk to ask any questions 🌐 https://keyholdermortgages.co.uk