How do I decide how much benefit I need each month?

Consider how much money you’d need to pay your bills and expenses each month if you couldn’t work. 

Income protection isn't designed to cover 100% of your lost earnings. It’s meant to help you continue paying your essential bills and outgoings, like rent or mortgage payments, utility bills or food, while you focus on getting better.

You can apply for our Living Costs Protection policy by contacting us on 0800 433 4513 for a quote or further information.

It's worth mentioning that if you take out a Living Costs Protection policy directly with us, we won’t be able to give you advice and we’ll only be able to cover up to 90% of your net monthly income, up to a maximum of £1,500 per month.

For tailored advice, you should speak to your financial adviser. If you don’t have an adviser, MoneyHelper provides up-to-date resources to help you find regulated advisers. Advisers may charge for their advice, but there are usually a number of ways to pay.