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. 

Living Costs 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.

If you take out Living Costs Protection 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 this isn’t enough to cover your lost earnings, you may want to consider an Income Protection+ policy. 

You can apply for Income Protection+ or Living Costs Protection through a financial adviser. If you don’t have a financial adviser, you can find one near you at unbiased.co.uk. 

Find out more about the differences between Living Costs Protection and Income Protection+.

Explore more frequently asked questions

Whether you want to change your details, make a claim or understand more about our products, you can find answers to FAQs by category.

Coronavirus updates, help and support

We're having to do a few things a little differently right now, here's all the latest information about our different policies, including COVID-19 specific frequently asked questions, and the best way to contact us.

FAQ search tool

Not found the answer you need yet? If you have a particular question, try our FAQ search tool.