Income Protection Insurance

Insurance that works when you can't

Did you know that if you qualify for Statatory Sick Pay (SSP) the benefit is just £96.35 a week? If you found yourself unable to work because of a long term illness or injury that resulted in a loss of earnings, could you still pay the bills?

Income protection insurance is designed to pay you a monthly pay out in the event of a valid claim. It could be used to put towards your rent or mortgage, bills and other lifestyle costs for you and your family.

How our income protection insurance plans compare

Illness and Injury Insurance

Simple cover that goes to work while you can't.

Pays out after a waiting period of 4 weeks. Pay outs are monthly in arrears
Covers you for up to 60% of your gross income, capped at £2,000 a month
Up to 12 monthly pay outs per valid claim. You can make multiple claims during the policy
Cover lasts until your 60^th birthday, but you cancel at any time without charge
Pay outs are tax free, but could affect a claim for state benefits

This policy does not include unemployment cover so will not pay out if you become unemployed and it is not a savings or investment plan and has no cash value unless a valid claim is made.

Get a quote

Available without advice if you are clear on your cover needs.

You choose the monthly benefit amount, so you might want to think about:

If you're entitled to a comprehensive sick pay scheme through work and how much that could be
How far your savings would go if you weren’t working. If you need to use savings, would this impact any future plans?

Please read the Illness and Injury Insurance Policy Booklet 05.21.pdf and Illness and Injury Insurance Policy Summary 05.21.pdf

Get a quote now

Income Protection Benefit

Flexible income protection that helps cover loss of earnings.

Pays out after a waiting period of 4, 8, 13, 26 or 52 weeks – it's up to you. Pay outs are monthly in arrears
Covers up to 60% of your gross annual income, up to £60,000 a year. Then 50% of your gross annual income over £60,000 a year
Cover lasts until your chosen retirement age, but you can cancel at any time without charge
You'll receive the monthly benefit until you return to work or your policy ends
Pay outs are tax free, but could affect a claim for state benefits

This policy does not include unemployment cover so will not pay out if you become unemployed and it is not a savings or investment plan and has no cash value unless a valid claim is made.

Get advice

Income Protection Benefit is available from our expert advisers. They can:

Help if you are unsure about the protection you need.
Make recommendations for protection to suit your personal circumstances.
Help you make your application.

Call our team for advice on 0800 294 02750800 294 0275 to talk through your options and to receive a personalised quote to fit your needs.

Ready to get an Income Protection Benefit quote?

Call our team for no obligation advice on 0800 294 02750800 294 0275 to talk through your options and to receive a personalised quote to fit your needs.

Ready to get an Illness and Injury Insurance quote?

Get a quote now

Illness and Injury Insurance is only available to buy online, but our call centre staff can help with any questions you might have before applying.

Call us on 0800 197 09650800 197 0965

8:30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls.