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Protection Health Check

Protection Health ChecktrueAndy2026-08-04T17:12:18+00:00

Could Your Household Cope If Your Income Stopped?

A short self-assessment for sole traders, freelancers, and owner-operated businesses.

Most self-employed people insure their vehicles, tools, and equipment to protect against the event of damage, breakdown, or loss.

Far fewer have fully explored what would happen to their household finances if illness or injury stopped them from working.

This 2-minute check-in is designed to help you understand:

  • How dependent your household is on your income
  • How long your finances could realistically cope
  • Whether any protection gaps may exist

There are no right or wrong answers.

Income Dependence

1. If I couldn't work tomorrow, my household could comfortably cover essential bills for at least 3 months.(Required)
2. I know exactly how long our savings would realistically last if my income stopped.(Required)
3. My household would not need to rely on debt if I stopped working.(Required)

Family Security

4. My partner or family understands our financial position and commitments.(Required)
5. My household would know what to do financially if I became seriously ill.(Required)
6. Important financial information is organised and accessible.(Required)

Existing Protection

7. I currently have protection arrangements in place that would provide income if I couldn't work.(Required)
For example, Income Protection to cover your ongoing household expenditure.
8. I understand exactly what my current cover would provide.(Required)
9. My protection arrangements have been reviewed within the last two years.(Required)
10. I feel confident that my household would remain financially secure if I were unable to work for six months.(Required)

Next Steps

Would you find it helpful to have your responses reviewed?(Required)
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The information on this website is for use of residents of the United Kingdom only. No representations are made as to whether the information is applicable or available in any other country which may have access to it.

Trustep Financial Planning is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

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