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.
Leave a lump sum for your loved ones when you’re gone, if you pass away within the policy term.
Critical illness cover
Get a lump sum payout if you're diagnosed with a critical illness, covered by the policy, within the policy term, so you can worry less about your finances and focus on your health.
Income Protection articles
Read about managing challenges and returning to work.
Do you need a medical to get life insurance?
If you’re avoiding taking out life insurance because you think the application will involve a medical, you might be surprised to hear it’s not always needed.
Can you get life insurance with a pre-existing condition?
From the application process to premiums, here’s what you need to know.
Cancer support beyond claims
Here’s how we’re working with Macmillan Cancer Support to be there for you if you’re living with cancer and have a protection policy with us.
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What happens to a life insurance policy when someone dies?
If a loved one dies, and you’re not sure if they had a life insurance policy, or how to make a claim if they did, find out some of the steps you can take here.
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Different types of life insurance for your family
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How does life insurance work?
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Mortgage protection when you're buying a home
Whether you’re a first-time buyer, moving up the property ladder or securing a buy-to-let, here’s why you might want to get that financial protection in place.
Safeguarding the family home when you’re gone
Having life insurance can help reduce the financial impact on those left behind. Find out more about safeguarding your home with life insurance here.
Children’s critical illness benefit
The last thing you’ll want to think about is your child being critically ill, but it’s worth considering how you’d manage financially. Find out more here.
Six important reasons to get life insurance
We regularly see the difference having life insurance can make to families, find out how having cover could make a big difference, when it really matters here.
Think you can't afford life insurance? This might help
Read our 4 top tips on how to make the cost of life insurance more manageable.
Life insurance and critical illness cover: how are they different, and do you need both?
Although similar, life insurance and critical illness policies provide different kinds of cover to help in challenging times. Find out more here.
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.