Income protection insurance.
Your bills don't stop when you're unable to work. Income protection is designed to replace part of your income if illness or injury prevents you working, subject to the policy terms.
Friendly advice, tailored to your circumstances. Product terms, underwriting and exclusions apply.
How does this cover work?
An eligible claim typically leads to regular payments after an agreed waiting (deferred) period. The amount, maximum payment term and definition of incapacity vary between policies.
The right amount and type of cover depends on what you want to protect, your existing arrangements and your budget. An adviser can explain which features matter and what a policy may not cover.
Things worth checking
- Check employer sick pay, savings and existing benefits before choosing a deferred period.
- Compare the definition of incapacity, benefit amount, payment duration and exclusions, not just premiums.
- Benefits typically replace only part of earnings and depend on valid claims under the policy conditions.
Frequently asked questions.
Can a self-employed person get income protection?
Yes, subject to underwriting and the insurer's requirements for earnings, occupation and evidence of income.
How quickly would a policy pay?
Payments usually start after the selected deferred period, provided you meet the policy definition of incapacity and claim conditions.
Not sure what to choose?
We can talk through your priorities, existing cover and available options, with no pressure to take out a policy.
Talk to a protection adviser ↗No policy provides cover for every eventuality. The insurer's terms, conditions and exclusions determine the benefits payable.
Related protection options.
Critical illness cover
A serious diagnosis can affect work, savings and family life. Critical illness insurance can provide a lump sum if you meet the policy's definition of a specified condition.
Explore coverLife insurance
Help the people who depend on you financially if you die during the policy term. We can explain cover designed around a mortgage, family costs or a longer-term plan.
Explore coverEmployee benefit protection
Group protection benefits can help employers offer meaningful support to their teams, from death-in-service cover to income protection and healthcare.
Explore coverFurther information: MoneyHelper: what is income protection? ↗ This is general guidance, not a personal recommendation or tax advice.