Protect your income
if you can't work
Monthly tax-free payments to replace your salary if illness or injury stops you from working.
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Explore Your Options
Whatever you need to protect, we'll help you compare the right cover.
Life Insurance
A one-off tax-free lump-sum payment for your loved ones in the event of your death.
Learn moreCritical Illness Cover
A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.
Learn moreIncome Protection
Monthly tax-free payments if you are unable to work due to long-term sickness or injury.
Learn moreHow Income Protection Works
Policy set-up
Choose a monthly benefit amount and deferred period that matches your sick pay or savings.
Premiums paid
Pay a monthly premium based on your age, occupation and health.
Unable to work
If illness or injury stops you from working, you submit a claim with medical evidence.
Monthly benefit paid
Once approved, you receive a regular tax-free income until you return to work or the policy ends.
Key features at a glance
Replace up to 70% of income
Cover a significant portion of your salary so bills and commitments are still met.
Own-occupation cover
Pays out if you can't do your own job, not just any job.
Flexible deferred periods
Choose how long you wait before payments start, based on sick pay or savings.
Cover until retirement
Payments can continue until you return to work or reach your chosen retirement age.
Frequently Asked Questions
How much cover do I need?
Most people cover 50-70% of their gross income, enough to cover essential bills and commitments without over-insuring.
What counts as being unable to work?
This depends on your policy's definition. "Own occupation" cover pays out if you can't do your specific job, while stricter definitions require you to be unable to do any work at all.
How is this different from Critical Illness Cover?
Critical Illness Cover pays a one-off lump sum on diagnosis of a specific serious illness. Income Protection pays a regular monthly income for as long as you are unable to work, for a much wider range of illnesses and injuries.
Are payments taxed?
Personally-owned Income Protection policies pay out tax-free. Your adviser will confirm how this applies to your specific circumstances.