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Income Protection Cover
Get more from our 5-star rated Income Protection Cover
Both our Primary and Comprehensive Cover are competitively priced with market leading benefits and innovative features. Take a look.
More clarity about the benefits you get
By verifying your salary at the application stage, we’ll guarantee that you receive the agreed monthly income when you claim.
More protection if you’re unable to work
You’ll have guaranteed protection if you’re unable to perform your own occupation. Other insurers may not pay a benefit, and instead they may expect you to take an alternative job that may not be suitable for you.
More benefits to help you recover
More benefits when you return to work
More rewards with our health and wellbeing partners
You get automatic membership to our unique Vitality programme which encourages you to get healthier by giving you discounts and rewards on a wide range of services currently including gyms, health screens, health resorts, cinemas and holidays.
Plus reduce your premiums every year*
We’re the only insurer that can reward you with lower premiums each year, without reducing your cover, if you look after your health with our Vitality programme.
*Not available with the Essentials Plan
The need for Income Protection Cover
Why you can’t always rely on State benefits
Many people believe they may be entitled to receive some financial help from their employer or through the State benefit system should something happen to them. However, in reality you may not even receive enough to maintain your current lifestyle.
- The State benefit may only pay between £50.95 and £95.15 per week and your individual. circumstances will affect how much you get.
- Three out of five people could not survive financially if unable to work due to injury or illness.
- 98% of people say they could not survive on Government support alone.
Facing the facts
- More than half of the 2.4 million people claiming incapacity benefit have been off work for more than five years.
- UK statistics show that you are 26 times more likely to be incapacitated and off work for more than six months, than to die before the age of 65.
- Around one in ten of all cancer cases are in people aged 25-50 years.
- Nearly 25% of people aged 35 will suffer a disability lasting 90 days or more during their working life.
Our Recovery benefit gives you access to up to £2,000 worth of specialist care and support to help aid your recovery and return to work through such things as specialist treatments, counsellors,support groups and training courses. You’ll get up to £2,000 with our Comprehensive Cover and up to £1,000 with our Primary Cover.
Depending on your circumstances, we’ll help you to get better through offering:
Medical support
- Help to pay for private medical treatment such as specialist doctors or surgery
- Physiotherapy
- Osteopathy
- Counselling or support groups
Assisted care support
- Assisted devices, including the costs to modify a house or car
- Access to a qualified nurse or carer
Education support
- Training courses to help with re-skilling
- CV writing
Back to work benefit
If you return to full time work we’ll provide you with a cash bonus. You’ll get this alongside your normal salary to help with the extra costs of returning to work. The table below shows how this works:
| Cash bonus (% of your Income Protection monthly benefit amount*) |
||
|---|---|---|
| Primary Cover | Comprehensive Cover | |
| First month back at work | 25% | 50% |
| Second month back at work | 10% | 25% |
*Available for three, six or twelve month deferred periods, for seven day or one month deferred periods the benefit is payable at our discretion.
Fast facts
| Min term | 5 years |
| Max term | 54 years |
| Min sum assured | £250 each month subject to minimum premium |
| Max sum assured | Primary Cover - £7,500 per month Comprehensive Cover - £12,500 per month |
| Min entry age next birthday | 17 |
| Max entry age next birthday | 60 |
| Max expiry age/date | Age 70 exactly |
* The total combined Serious Illness Cover and Disability Cover from us or any other provider cannot exceed £2,000,000
