Income protection insurance

Cover for your family finances

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.

Monthly payment

Get a monthly income to cover some of your lost earnings

Flexible cover

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’s story

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

Ready to apply?

To buy this policy, you'll need to use a financial adviser. If you decide the policy is right for you, your adviser can help you apply. If you don’t have a financial adviser, you can find one near you at

How our claims process works

If you can’t work due to illness or injury, let us know as soon as possible can and we’ll make sure you get the support you need.

Step 1

Let us know

Contact us to let us know you’re unable to work.

We’ll talk to you about your condition to understand what support you might need and explain what happens next.

Step 2

Expert review

We’ll assess your claim straight away and get in touch with you if we need any more information.

Step 3

Continuing support

You’ll have a claims case manager that can help you during your recovery, as well as access to other experts like rehabilitation managers, fully qualified vocational consultants and specialist clinicians.

Income Protection articles

Read about managing challenges and returning to work.

Contact us

Still need help? Give us a call.

For policies taken out before March 2015

0800 158 3119

Monday to Friday: 8:30am - 5:30pm

For policy taken out after March 2015

0800 285 1098

Monday to Friday: 8:30am - 5:30pm

Saturday: 8:30am - 2:00pm

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.