Income protection insurance

Cover if you're unable to work due to illness or injury
Call us on 0800 433 4513* for a quote

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What is income protection insurance?

It's an insurance policy that can help support you with a monthly payment if you’re ill or injured and can’t work. It pays a proportion of your lost earnings, which could help cover your monthly outgoings. So you’re able to focus more on getting better and back to work.

Monthly benefit payment

To cover some of your lost earnings

Flexible cover options

You choose your monthly benefit, deferred period and policy length

Supportive claims team

To make the claims process easy and help you get back on your feet

How does income protection insurance work?

We offer two different types of income protection insurance.

Living Costs Protection

A simple form of income protection that provides fixed monthly payments with no complex calculations. It can be purchased directly with us without advice, or through a financial adviser.

Income Protection+

A comprehensive form of income protection with a variety of different options. It must be purchased through a financial adviser.

Living Costs Protection

Living Costs Protection can help you pay essential bills and outgoings in a time of need if you're unable to work due to illness or injury. This could include mortgage or rent payments, utility bills and food shopping. It can provide you with a fixed monthly benefit amount and each eligible claim is paid for up to 12 months following the deferred period.

How much do you get each month?

We'll pay from £500 to £1,500 a month, subject to eligibility, tax-free, on each successful claim, for up to 12 months. The money could go towards helping you maintain your standard of living and supporting your loved ones.

How long does the policy last?

You pay fixed monthly premiums for the number of years you want your policy to last, from 5 to 52 years, or until you're 71.

What’s a deferred period?

It’s the time between the first day you’re unable to work and when you get your first payment. When you buy your policy, you can choose 4, 8, 13 or 26 consecutive weeks as your deferred period.

The longer your deferred period is, the cheaper your premium will usually be, but the longer you’ll have to wait until we start paying your benefit. Everyone’s personal circumstances are different and when you’re considering what deferred period would most suit your needs, consider how long you could manage financially if your income stopped or reduced if you're unable to work due to illness or injury.

Do you need Living Costs Protection?

Consider how you’d cover your usual monthly costs if you were ill or injured and couldn’t work for a while. Would you be able to carry on paying the bills using statutory sick pay or your savings? If not, it's worth thinking about. Our Living Costs Protection supports you financially if you’re unable to work because of injury or illness. It doesn't cover you if you're unemployed or made redundant. When deciding if you need Living Costs Protection, you should consider your savings, how long your employer will continue to pay you, and what state benefits you may get after any employer payments stop.

What our Living Costs Protection insurance includes

  • Monthly payment
    To help cover some of your lost earnings for up to 12 months following the deferred period. If you’ve returned to work for at least 16 hours a week for at least six months in a row, you can make another claim if you're unable to work due to illness or injury
  • Fixed premiums
    Monthly payments that stay the same for the term of your policy, unless you make changes
  • Choose how much benefit you get
    From £500 to £1,500 a month, subject to availability. The amount you choose will stay the same throughout the term of your policy. So, when choosing your benefit, think about the effects of inflation. Inflation could mean what you can buy with that amount may be less, due to prices rising over time
  • Choose how long your policy lasts
    From five to 52 years, or until you’re 71
  • Choose your deferred period
    This is how long until you get your first payment after a successful claim, which can be 4, 8, 13 or 26 weeks
  • Comprehensive claims service
    With rehabilitation support to help you return to work
  • Back to work benefit
    One month’s benefit when you return to work if your illness or injury means you earn less than you did before. This isn't applicable if you have already received 12 benefit payments
  • Life change benefit
    If your policy is accepted on standard terms there's the option to increase your cover amount if your mortgage or rental payments go up
  • Waiver of premium
    If you make a successful claim, we'll start paying your premiums for you after 13 weeks, or from the end of your deferred period, whichever is sooner; you'll need to continue paying your premiums until that time. Once your claim ends, you'll need to start paying your own premiums again

This policy has no cash-in value at any time. If you stop paying your premiums, your cover stops and you get nothing back. We will only pay out if a successful claim is made.

Are you eligible for Living Costs Protection?

To apply for this cover directly with us, you need to:

  • Be aged 18 to 59
  • Be a permanent resident of the UK
  • Work at least 16 hours a week – whether self-employed or as an employee
  • Have worked in the UK for the past 12 months
  • Be registered with a doctor in the UK for at least two years

Aviva DigiCare+

When you take out a new Living Costs Protection policy, you can access health and wellbeing services through the Aviva DigiCare+ smartphone app, powered by Square Health – and it won’t cost you extra (excluding Digital GP which is a paid for service).

So the tools you need to help you eat better, feel better and keep well are always on hand.

Please be aware that the benefits of the app don't form part of your cover, and they could change, or be removed, in the future. This is a non-contractual benefit Aviva can withdraw at any time. Terms and conditions and the privacy policy for Aviva DigiCare+ can be found within the app. Of course, the main reason for taking out a policy with us is financial protection, you shouldn't take out a policy for Aviva DigiCare+ alone.

Annual health check

Help spot problems early with an at-home blood test that checks for 20 different health markers – including your risk of diabetes and your liver and kidney health – followed by a personalised report and advice on next steps.†

Nutrition support

Get practical advice from nutritionists with access to six consultations each year. These can help you make better choices, with personalised eating plans and tips on how to break less healthy habits.†

Mental health support

Talk to a therapist one-to-one if you’re struggling with issues like anxiety and depression. You can have up to six sessions a year, to get guidance and support that's right for you†.

Second medical opinion

If you have a medical diagnosis and want to ask more questions, have extra reassurance, or explore the possibility of alternative treatment options, a second opinion from a UK-based clinical specialist is on hand†.

Bupa Anytime HealthLine

Get expert health advice from a Bupa nurse for everyday issues, from rashes to muscle pain, with unlimited phone calls 24/7, 365 days a year‡.

Bereavement support

Losing a loved one isn’t easy. So it might help to know there’s help on hand through bereavement counselling and guidance on practical issues like estate administration.

Digital GP – paid for add-on

This optional add-on gives you, your partner, and your children up to age 21, if in full time education, access to a private doctor on a video call seven days a week, 8am to 8pm. For £36 a year you can have up to three digital sessions between you.†


† Provided by Square Health

‡ Provided by Bupa

How our income protection insurance policies compare

Parent holding child, looking at a laptop, in an indoor setting

Living Costs Protection

A simple form of income protection that provides fixed monthly payments with no complex calculations
  • Can be purchased directly with us without advice, or through a financial adviser
  • Provides cover for your essential outgoings for a limited period of time up to 12 months
  • To purchase this (and immediately before claiming) you need to be working at least 16 hours per week
  • 12 month benefit claim period, with multiple claims permitted
  • If an illness or injury means you are unable to work, we'll pay you a monthly amount
  • From £500 to £1,500 a month, subject to eligibility
  • No financial assessment at application or claim
  • Deferred period of 4, 8, 13, 26 weeks
  • Fixed amount of cover with guaranteed premiums
  • Waiver of premium is included
  • Aviva DigiCare+ smartphone app – powered by SquareHealth, included at no extra cost, giving you access to the tools that can help you manage both your physical and mental health
Parent crouching down next to their child, blowing bubbles, in an outdoor setting

Income Protection+

A comprehensive form of income protection with a variety of different options
  • Must be purchased through a financial adviser
  • Cover to help replace a proportion of your earnings if you're unable to work due to illness or injury for either a limited time of 2 years or until retirement
  • If you’re in hospital for more than 6 consecutive nights, we’ll pay you £100 a night for a maximum of 90 nights
  • A lump sum payment up to £40,000 if you suffer one of the listed traumatic events
  • Monthly benefit of up to £20,000 which is calculated as a percentage of your salary. Evidence of earnings will be required if you make a claim
  • Deferred period of 4, 8, 13, 26, 52 or 104 weeks
  • Cover can be level or increase each year
  • Waiver of premium is included
  • Aviva DigiCare+ smartphone app – powered by SquareHealth, included at no extra cost, giving you access to the tools that can help you manage both your physical and mental health

What is income protection insurance?

Find out how income protection could support you financially if you’re unable to work because of injury or illness.

Find out more
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Need to make a claim?

If you need to make an income protection claim, we'll be there for you and make it as smooth as possible.

Income Protection articles

Read about managing challenges and returning to work.

Ready to get cover?

Call us for a Living Costs Protection quote

You can apply for Living Costs Protection directly with us over the phone 1.

0800 433 4513

Monday to Friday: 8:00am - 6:00pm
Saturday: 9:00am - 2:00pm
Sunday: Closed

Alternatively, if you'd prefer, you can apply though a financial adviser. If you don't have a financial adviser, you can find one near you at unbiased.co.uk.

How to apply for Income Protection+

You can only apply for Income Protection+ through a financial adviser.

If you don't have a financial adviser, you can find one near you at unbiased.co.uk.