Personal protection
Income protection
Help replace part of your earnings if illness or injury prevents you from working and you meet the policy’s claim conditions.
How we help
- Cover built around your income. We assess your earnings, spending and existing benefits before recommending a monthly benefit.
- A waiting period that fits. We consider sick pay and savings when recommending how long to wait before payments begin.
- Definitions explained. We compare how policies assess inability to work, alongside exclusions and payment limits.
- Applications managed. We arrange the insurance and liaise with the insurer about your application.
- Reviews as work changes. We review cover with you when your earnings, employment or responsibilities change.
Your questions, answered
When do payments start?
A valid claim becomes payable after the agreed waiting period. Payments do not automatically start when sick pay ends; we help align the policy with your sick pay and savings.
How long can payments continue?
This depends on the selected policy. Some have a limited payment period per claim; others can pay until recovery or the policy end date, subject to their terms.
Is this the same as critical illness cover?
No. Income protection pays a regular benefit for a qualifying inability to work. Critical illness cover usually pays a lump sum when you meet a covered condition’s definition.
Benefits depend on the policy’s terms, conditions and exclusions. Cover is subject to eligibility and underwriting. We explain the recommended policy before you decide.
What would you like to protect?
Tell us about your family, income and existing cover. We recommend suitable protection and arrange your insurance.