A monthly income if you can’t work
When you’re ill or injured and can’t work, our Income Protection Insurance is there to support you. It pays a proportion of your lost earnings so you can concentrate on looking after your health.
Get a monthly income to cover some of your lost earnings
Choose when your payments start and how long they last
Supportive claims team
Our team is ready to make the claims process easy and help you get back on your feet
Getting cover is straightforward, simple to arrange and individual to you.
Individual support for your case
We help thousands of income protection customers every year with exceptional service.
There when it matters
We helped around 4,000 customers in 2017, paying over £38 million in claims. Our team is dedicated to giving you exceptional service. We’ll always do our best to minimise the administration involved in your claim, and get things moving as soon as possible. And we're always happy to answer your questions.
Jason was about to buy a house when he was diagnosed with cancer. Having income protection made a huge difference to him and his family. He contacted us and our claims team were there to help. Jason didnt have to worry about money, and he could focus on getting treatment and making a recovery.
Why choose income protection?
Features and benefits to think about.
- Monthly payment
The monthly payments will cover some of your lost earnings, helping you maintain your lifestyle while you’re away from work
- Flexible cover
You can choose when your payments begin and how long the policy will pay out for if you’re unable to work. Your adviser will discuss the options with you
- Supportive claims team
Our claims team is trained to understand how you’re feeling when you need to make a claim, and do everything they can to help
- Fixed or variable benefits
Options include a fixed payment that stays the same for as long as you hold the policy, or benefits which increase with inflation
- Buy through a financial adviser
To buy this policy, the first step is to talk to a financial adviser. If you decide the policy is right for you, your adviser can help you apply. You can search for an adviser at unbiased.co.uk
Looking for something else?
We have the cover to protect you and your family.
Critical illness cover
Our cover pays out a lump sum if you or your child are diagnosed with or have surgery for one of the 53 critical illnesses covered by our plan.
Income Protection articles
Read about managing challenges and returning to work.
6 myths about life insurance
If you're thinking of getting life insurance, you might have come across a few common misconceptions while doing your research.
Want to switch your life insurance policy?
You might regularly review or change your car or home insurance policy. But is it worth doing the same with your life insurance?
Understanding critical illness cover
Find out more about the different types of critical illness cover available and what might be right for your family.
How does life insurance work?
From how much life insurance costs to who gets the money if you die during the policy term, here’s a simple guide to life insurance and how it works.
What is mortgage protection insurance?
Mortgage protection insurance is a type of term life insurance. Find out more about how mortgage protection insurance works, and how it can help you here.
What's the difference between life insurance and life assurance?
Life insurance and life assurance are terms that are often used interchangeably – but is there a difference?
Think you can't afford life insurance? You're not alone
Read our 4 top tips on how to make the cost of life insurance more manageable.
Within a few years of taking out critical illness cover, Linda received some bad news, completely out of the blue. Fortunately we could help her during this difficult time.
The difference between a death in service policy and life insurance
Understand the difference and why you might need both.
Should I buy a single or joint life insurance policy?
Understand the difference between both policies.
Understanding life insurance
Explore our different types of cover.
What is term life insurance?
There are 3 different types of term life insurance.
What happens to debt when someone dies?
Our guide to how finances are managed and debts are dealt with after a loved one passes away.
What happens to life insurance after divorce?
A simple guide to separating your life insurance policies if your relationship breaks down.
What is critical illness cover?
Critical Illness Cover pays out a lump sum to help cover costs should you fall ill. Find out how it could benefit you and your loved ones.
A financial guide to starting a family
Whether you're a new parent or have a little one on the way, here are our top tips for setting up your family's new finances.
Still need help? Give us a call.
For our joint protection, telephone calls may be recorded and/or monitored and will be saved for a minimum of 5 years. Calls to 0800 numbers from UK landlines and mobiles are free.