Protect your income if you’re unable to work due to redundancy, illness, or injury. Income Protection acts as a financial safety net, helping you manage everyday expenses when your regular salary stops.
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Income Protection insurance pays you a tax-free monthly amount if you lose your income due to redundancy or are unable to work because of an accident, illness, or injury.
Instead of relying on savings or government support, this cover helps ensure you can continue paying essential bills like rent, utilities, and groceries while you recover or search for a new job.
Unexpected events can happen at any time. Job losses, long-term illness, or injuries can instantly stop your income, even if you’ve never experienced this before.
Government support such as Job Seeker’s Allowance or Statutory Sick Pay is often not enough to cover basic living costs. Income Protection bridges this gap by providing regular monthly payments, giving you financial breathing space during uncertain times.
Protection against redundancy, illness, and injury.
Cover up to 65% of your gross annual income.
Several factors can affect how much your income protection insurance costs, including:
Your income protection insurance policy covers your income if you’re too sick or injured to work or if you’ve been made involuntarily unemployed. You agree on an amount you’d like to be paid if this happens — called a ‘benefit’ or ‘benefit amount’ — and if you find yourself unable to work, you make a claim. Your benefit will cover whatever you need it to cover, whether that’s your mortgage payments, your rent, your bills, or even your groceries.
If you successfully make a claim on your income protection insurance policy, you’ll be paid out the benefit amount you selected when you first purchased cover. This will usually be up to either 65% of your income or £2,500.
Yes, income protection insurance is worth the investment, even if you are in the UK. With an income protection insurance policy in your back pocket, you won’t have to rely on your savings, state benefits like Universal Credit (which often aren’t enough to live off of for long), or handouts from loved ones to keep your head above water in the event that you couldn’t work. Think of it like paying into your rainy-day fund; one day, you’ll need it.
It covers redundancy, illness, and injury, providing monthly tax-free payments.
Payments are made for up to 12 months per claim.
Yes. You can select a benefit amount based on your essential monthly expenses.
Yes. Payments are tax-free and paid directly to you.
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