Woman ill lying in bed

Income protection insurance

Insurance that works while you can't.

Find out more

How would you pay your bills if you couldn't work?

For most of us, being unable to work for medical reasons would present a serious financial challenge. What would happen to you or your loved ones if you couldn’t work due to illness or injury which resulted in a loss of earnings? How would you cover your outstanding bills like rent, mortgage or other living costs.

Income protection insurance can give you the peace of mind you deserve. A loss of earnings could have a real financial impact on any family’s lifestyle, and income protection insurance is designed to meet the needs of people who want to protect against this, by paying out a regular monthly amount.

Two ways to protect your income

Choose from two types of income protection cover to protect you if an illness or injury means you can't work

Illness and Injury Insurance

Simple cover providing a monthly benefit if you’re signed off work through illness or injury.  Benefit payable after a 4 week waiting period and is paid monthly in arrears. Premiums start from just £6 a month depending on the cover that you need.

Get a simple online quote today without speaking to a financial adviser.

Income Protection Benefit

Comprehensive cover providing a monthly benefit if you’re signed off work through illness or injury. Choice of waiting periods, limited benefit periods and an increasing plan to help protect the monthly benefit against inflation

Income Protection Benefit is available to buy through our team of expert financial advisers.

Illness and Injury Insurance

Our Illness and Injury Insurance is available to buy directly from us. If you think this simple cover option meets your needs, you can get a quote without speaking to a Financial Adviser.

Policy summary.pdf

Income Protection Benefit

If you need advice or a wider range of policy options, our Income Protection Benefit is available through our team of expert financial advisers.

Call us today for a quote

0800 294 0275

9am to 5pm Monday to Friday. We may record and monitor calls.

It would take the average UK earner 10 years to save their gross annual income*. So we can't all rely on savings if we found ourselves unable to work.

What you'll get with Income Protection Insurance

  • Regular monthly benefit if you can't work due to incapacity caused by an illness, or an injury which results in a loss of earnings
  • Guaranteed premiums unless you make any changes to your plan or if you choose our Increasing Income Protection Benefit plan
  • Support with our return to work Rehabilitation Support Service
  • Flexibility to make changes such as the benefit amount (eligibility criteria applies)
  • Wellbeing Support. We've partnered with RedArc Assured Limited whose registered nurses provide a wide range of phone-based wellbeing services. Find out more.
  • Care Concierge Free access to our team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones understand and find later life care. Find out more.

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 60th 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.pdf and Illness and Injury Insurance Policy Summary.pdf

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 0808 303 3552 to talk through your options and to receive a personalised quote to fit your needs.

Financial resilience

The average household is just 19 days from the breadline, far shorter than the 60 days they believe - *Legal & General research

39% stat

39% of people interviewed are concerned of getting a serious long-term chronic illness, while 8 in 10 are concerned about at least one issue affecting ability to work

Average household has less than £3000 in savings

The average UK household has £2,431 in savings, but they need around £12k in savings to feel secure.

2 in 5

2 in 5 households have less than £1,000 in savings. In fact 1 in 5 have no savings at all.

Illness and Injury Insurance FAQs

Our policy is for both employed or self-employed persons and works 16 or more hours per week. It’s available if you are aged 18-55 and live in the UK. The insurance is to cover up to 60% of your wages if you have to take time off work for 4 weeks or more because of an illness or injury. It is for those who don’t receive a comprehensive sick pay payout from their employer. The monthly payout you receive is there to cover rent or mortgage, bills, utilities and other lifestyle costs for you and your family.

There is no defined list of illnesses or injuries covered. Our team will assess your claim based on your inability to work because of your incapacity.

Your income is covered if you have an accident or become ill and need to take continuous time off work for 4 weeks or more. The maximum payout you can receive is determined based on 60% of gross income, and is capped at £2,000 a month. This is the equivalent maximum payout for an annual gross income of £40,000. If you earn more than this your monthly payout will be capped at £2,000.

Illness and Injury Insurance is not unemployment cover so it won’t pay out due to being made unemployed. If you become unemployed whilst you have the policy you can still claim, if you become ill or injured, so long as you’ve continued to pay for the policy after becoming unemployed.

You can’t be unemployed when taking out the policy. You need to work 16 or more hours per week.

Please call our claims team as soon as you know you’re going to be off work for 4 weeks or more, and no later than 2 weeks of being off work. Our team will discuss your illness or injury, send you a claim form so you can fill out your medical information and give us details about your illness or injury. We’ll also request your financial information and details relating to your work. Your claim will be assessed and monthly payout will start if the claim is valid. We may refer you to our Rehabilitation Support Service to help with your recovery if appropriate.

You will need to have made at least one monthly payment before you can make a claim. You will continue to pay your premium during your 4-week waiting period whilst we assess your claim. Once your claim has been accepted you won’t need to continue paying your monthly premium. Once the claim comes to an end, either after receiving 12 months of payout or you return to work – whichever is sooner – you can resume paying your monthly premium to continue your policy.

You’ll need to have been off work for at least 4 weeks before you start receiving your payout. This is known as a waiting period, and is fixed. Your payout will be paid monthly in arrears.

To change your policy, just let us know and we’ll be able to tell you if the change is possible and what your new premium will be.

You can increase your monthly payout at any time without needing to provide any further medical details if the section ‘Changing Your Policy’ is shown in your policy booklet.

Income Protection Benefit FAQs

The cover is designed for those who want comprehensive cover with a choice of options to help protect against a loss of income, if unable to work due to incapacity caused by illness or injury, while covered by the plan. 

You can’t be unemployed when taking out the policy. You need to work 16 or more hours per week.

Income Protection Benefit is not unemployment cover so it won’t pay out due to being made unemployed. If you become unemployed whilst you have the policy you can still claim, if you become ill or injured, so long as you’ve continued to pay for the policy after becoming unemployed.

The maximum payout you can receive is determined on 60% of gross income, up to £60,000 a year. Then 50% of your gross annual income over £60,000 a year.

Please call our claims team as soon as you know you’re going to be off work for 4 weeks or more, and depending on the waiting period chosen no later than 2 weeks of being off work so that the waiting period is not deemed to have started later. Our team will discuss your illness or injury, send you a claim form so you can fill out your medical information and give us details about your illness or injury. We’ll also request your financial information and details relating to your work. Your claim will be assessed and monthly payout will start if the claim is valid. We may refer you to our Rehabilitation Support Service to help with your recovery if appropriate.

What is Wellbeing Support?

The wellbeing of our customers is extremely important to us and that’s where Wellbeing Support comes in. We’ve partnered with RedArc Assured Limited, whose registered nurses can provide you with a wide range of wellbeing services. Here's some quick facts about our Wellbeing Support.

Support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.

You don’t need to make a claim on your policy to get the help you need, you can get in touch with your nurse directly. 

For you, your partner and children living at home.

Take a look at our dedicated Wellbeing Support hub and find out more.

Ready to get an Income Protection Benefit quote?

Call our team for no obligation advice on 0800 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?

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 0965

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

We may record and monitor calls.

Related information and products

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Life Insurance additional benefits

When you take out our Life Insurance we include a number of additional benefits at no extra cost, such as Free Life Cover and Terminal Illness Cover (where life expectancy is less than 12 months), giving you extra peace of mind. Terms and conditions apply.

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Critical Illness Cover

Get extra protection with Critical Illness Cover which can be added for an extra cost when you take out your life insurance policy.

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Decreasing Life Insurance

If you're looking for life cover to specifically cover a repayment mortgage, take a look at our Decreasing Life Insurance where the amount of cover reduces roughly in line with the way a repayment mortgage reduces.