Income Protection Cover

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A fresh approach to Income Protection with our 5-Star cover

We don't believe in traditional Income Protection policies which carry lots of general exclusions and stop your payments as soon as you are fit enough to do any type of work. Our Income Protection Cover gives you tax- free income, which can be used to help pay your bills, your mortgage or even medical costs as you recover.

Unlike many other insurers, our new approach offers you a range of benefits and features. In addition to the income you receive this includes benefits to help you recover and settle back into work. And we don't stop your payment until you're in the type of job you had.

Why PruProtect Income Protection Cover -

  • Guaranteed payment amount - when you verify your salary at the application stage, we'll guarantee you receive the agreed amount when you claim.
  • Guaranteed protection if you're unable to work - you can be certain that you’ll receive your monthly benefit if you’re unable to perform your own role due to ill health.
  • No general exclusions - we've removed general exclusions that some other insurers apply such as drug and alcohol abuse and war and civil riot, so you're more certain of getting what you expect.
  • Recovery Benefit – 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.
  • 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 Cover 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 days or one month deferred periods the benefit is payable at our discretion.

Protect Tomorrow. Live Today

Not all cover is the same. Only at PruProtect will your cover include our healthy living programme that offers savings and rewards you and your family can enjoy today.

  • Save money on things that are good for you – All customers receive discounts on health screenings, stop smoking sessions and fitness equipment.
  • Annual cashback - If you qualify and add Vitality Optimiser or Vitality Plus to your policy, you could have the opportunity to earn between £50 to £100 cashback based on the points you earn with Vitality.
  • Lower protection premium from the day you open your policy - Vitality Optimiser gives you an upfront discount on our standard protection premiums.
  • Exclusive discounts with Vitality Optimiser and Vitality Plus – Enjoy further savings such as 50% off gym memberships, free weekly cinema tickets and money off mobile phone contracts.
Find out more about Vitality

Ready to apply?

Get a quote online in a few minutes then apply over the phone with one of our friendly UK-based PruProtect advisers. Alternatively, request a call back and an adviser will call you at a time most convenient to you.

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Award Winning Cover

Defaqto 5-star award 2013 You can be confident in your decision to choose PruProtect, as every award we have received is judged by a panel of independent experts.

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Calls may be recorded and monitored to help improve customer service. Call charges may vary.