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- ✓ Life insurance, critical illness & income protection explained
- ✓ How much cover do you really need?
- ✓ Money-saving tips when buying protection
Overview
Family Income Benefit pays a tax-free monthly income to your family if you die during the policy term. Unlike level term life insurance, it replaces your salary rather than handing your family a large sum to manage — making it simpler, more targeted, and often more affordable than equivalent lump-sum cover.
Monthly Income Payments
Your family receives a regular monthly income — not a lump sum — making it easier to budget and maintain their standard of living
Salary Replacement
Designed to replace what you would have earned over the remaining policy term, covering day-to-day costs and ongoing commitments
Children's Financial Security
Typically written to cover until your youngest child becomes financially independent — age 18, 21, or into further education
Inflation-Linked Options
Payments can be written to increase annually with RPI or at a fixed percentage, protecting the real value of the income over time
Why Choose Domus Finance?
More Affordable Than Level Term
Because the total possible payout decreases as the policy progresses, premiums are lower than an equivalent lump-sum policy
Simpler for Families
A monthly income is easier to manage than a large lump sum — no need for investment decisions during an already difficult time
Works Alongside Other Cover
Often combined with a smaller lump-sum life policy to cover the mortgage, while FIB handles the ongoing household income
Whole of Market Access
We search the entire insurance market to find the best protection for you.
FCA Regulated
Fully authorized and regulated by the Financial Conduct Authority.
How We Help
Understand Your Needs
We'll discuss your circumstances and what you need to protect.
Search the Market
We'll compare products from all major providers to find the best cover.
Recommend Solutions
We'll explain your options and recommend the most suitable protection.
Ongoing Support
We'll review your cover regularly to ensure it remains appropriate.
Get Protected Today
Speak with one of our protection specialists for a free, no-obligation consultation.