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 unbiased.co.uk
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 unbiased.co.uk.
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.
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.
Expert review
We’ll assess your claim straight away and get in touch with you if we need any more information.
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.
Looking for something else?
We have the cover to protect you and your family.
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.
Discover more
Can you get life insurance with a pre-existing condition?
From the application process to premiums, here’s what you need to know.
Find the answer
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.
More about our Macmillan partnership
How to plan an eco-friendly funeral
Read more
How much critical illness cover do you need?
Read more
How to choose a funeral director
Read more
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.
Life insurance after death
Renting? Here’s why life insurance isn’t just for homeowners
Discover more about life insurance
Discover more about life insurance
Different types of life insurance for your family
Explore the different types of life insurance for your family
Explore life insurance
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.
Understand life insurance
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.
Life insurance for home movers
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.
How life insurance can help
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.
Discover how it works
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.
Discover the benefits
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.
Affordable life insurance
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.
Read more
Contact us
Still need help? Give us a call.
For policies taken out before March 2015
Monday to Friday: 8:30am - 5:30pm
For policy taken out after March 2015
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. You may be charged for calling outside of the UK.