Family Income Benefit - LDN Finance

Family Income Benefit

How would your household cope if it was to lose a regular monthly salary? Mortgages, rent and utility bills need paying regardless of what goes on in your life. Family income benefit is designed to pay out a regular monthly income to you or your family if you pass away or are diagnosed with a terminal illness within the term of your policy.

Get In Touch

Family Income Benefit

At LDN Finance, we excel in arranging the perfect family income benefit policies for our clients.

At LDN Finance, our experienced advisers will sit down with you to fully understand your personal requirements and financial situation, before scouring the market for the most suitable family income benefit policy to suit your needs.

To discuss your scenario in more detail, get in touch with our professional protection team today. We’re ready and waiting to give you and your family peace of mind.

Get in touch

our values

How we work



Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.



We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.



We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

How can LDN Finance help?

At LDN Finance, our experienced advisers will listen to your unique personal and financial circumstances before reviewing the insurance market for the most suitable family income benefit policy, in line with your demands and needs. If you have a young family, family income benefit may be a suitable option to provide a financial safeguard for your household in the event of a sudden loss of income.

How does family income benefit work? Let’s say for example that your family income benefit policy was taken out for 25 years. If you were to die ten years into your policy, your loved ones will receive a regular income for the remaining 15 years of the policy. Family income benefit differs from other ‘term life’ insurance policies as it pays out a monthly income rather than a cash lump sum.

Get In Touch

Family income benefit that guarantees a fixed, tax-free monthly income

For many families, a regular tax-free income will be seen as more beneficial and simpler than a one-off payment to secure their immediate financial future in the event of the bread winner’s passing. There is no need for them to worry about investing a lump sum to yield an ongoing income. This may support your family as they focus on trying to come to terms with your death and getting their lives back on track.

The monthly cost of your family income benefit premium will depend on your unique circumstances, and will take into account various factors including your age, health and occupation, and whether you want any add-ons to provide greater protection, such as waiver of premium in the event of sickness, or to index any benefits paid out each year, to protect against the cost of inflation. Your nominated LDN Finance adviser will sit down with you to understand the level of cover you need and how many years the policy should run for. They will then work with absolute dedication to find a suitable family income benefit plan that safeguards your family’s financial future with an ongoing income.

Get In Touch


Our happy clients

LDN Finance were extremely helpful throughout the process of getting my insurance sorted. Although a difficult process, with a number of stakeholders that needed to be contacted, they managed the communication very well. Professional, proactive and very helpful. Would absolutely recommend!

Mr. B

November 2020

I have used LDN Finance for years for my mortgages and insurance. They are consistently efficient, professional and experienced. Would recommend to anyone.

Ms. F

August 2021

Provided excellent advice on protection policies for our mortgage. Naomi provided an exceptional service with prompt responses. She was very friendly and approachable and made the process easy to understand. We highly recommend LDN Finance.

Ms. F

January 2021

we are here to help

Get in touch

Contact our professional and experienced protection advisers today to find the perfect policy to safeguard your financial future.


Prefer to chat? Call us on 020 3903 9875


5-star assurance for service and excellence