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 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.

If you're unsure about your insurance needs, it might be worth speaking with a financial adviser. If you don't have a financial adviser, you can find one at unbiased.co.uk. Please be aware that you may need to pay for this advice.