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Income Protection
Pays 70% of your earnings
1,2 or 5 years benefit
24/7 Private GP service included
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What is Income Protection?
Income Protection is a type of insurance which aims to help you keep some money coming in if you can’t work due to sickness or injury.
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If you’re worried about how you would continue to pay your bills or continue to afford your lifestyle if you couldn’t work, it could be something for you to consider.
Why Consider Income Protection?​
Get paid up to 70% of your earnings 30 day pay period Rehabilitation costs included
Your Income Protection includes
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A back to work benefit which is a proportionate benefit if you return to work on lower earnings than before.
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An accidental death benefit option - if you select this option and die as a result of an accident within 30 days of that accident, we'll pay a lump sum equating to 1, 2 or 5-years’ main benefit, whichever you choose when you apply.
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A contingency benefit that provides a maximum benefit of £500 a month for a maximum of 12 months if you are working for less than 16 hours a week and you’re unable to carry out your normal role due to an accident.
Key options to consider
Fracture Cover
Cover the costs you might face as a result of a bone fracture.
A cash payout can’t heal you but it can help you meet the costs associated with the impact of your injury. Receive £1,000-£3,000 depending on the area.
Hazardous Pursuits
We also offer you the option to pay extra to cover an enhanced list of what we call ‘hazardous pursuits’. Hobbies and pastimes categorised as hazardous pursuits include activities such as Bouldering and Motor Sports.
Accident Only
If you can't work due to an accident and suffer a loss of earnings as a result, our Accident Only Income Protection will pay you some money while you get on the road to recovery. *Full Income Protection will cover you for sickness as well.
Not sure if this is the right cover for you? Take a look at our Accident cover or Critical Illness insurance.