Compare Income Protection

Are you interested in Income Protection, but not exactly sure how it works or if you need it? Our team of expert advisers are here to help. They can explain the options and compare policies and prices from the leading insurance companies. Our service is completely free of charge and we are totally independent and impartial.

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1 Million

Workers a year unable to work

31% UK adults

Have experienced unexpected leave

48% Households

Have < £1500 savings

£95.85

Per week Statutory Sick Pay

Stats above are taken from the ABI website, Aviva, DWP and Gov.uk

What is Income Protection Insurance?

Income protection insurance offers peace of mind and security against lost income. If you are unable to work because of illness, the policy would pay out a portion of your monthly earnings, allowing you to continue to cover your essential outgoings.

These payments can be used to cover your rent or mortgage payments, bills and day-to-day living while you get back to work. The best policies will continue to pay out for as long as you cannot work, or until you are of retirement age.

Who needs Income Protection Insurance?

Income Protection is perhaps one of the lesser-known protection insurance products on the market, but certainly one everyone of working age should consider. If you have monthly outgoings and don’t have indefinite sick pay from your employer – or enough savings to keep you going indefinitely – Income Protection is a good alternative.

What are the chances I really need it?

Nobody likes to think about illness, injury or losing your job, but unfortunately it happens to lots of people, every year. Have you considered how you would cope if you were to lose your income, for whatever reason? Here are some facts to consider:

  • Each year one million workers find themselves unable to work. ABI.
  • 31% of UK adults have experienced unexpected leave from work Aviva
  • 48% of households have either no savings or less than £1500 savings ONS
  • Only 43% of employers offer Occupational Sick Pay the rest are left with Statutory Sick Pay only.
  • Statutory Sick Pay pays only £95.85 per week for 28 weeks, after the initial four days of illness. (Gov.uk)
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Life Insurance

Income protection is a policy designed to come into play if you become ill or injured and subsequently could not work and provide for yourself and your family. Yourself and any dependants would have a monthly payout to rely on, usually around 50-70% of your regular earnings until you can return to work or retire. Income protection can be an addition to a life insurance policy, or taken out independently.

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Critical Illness

A critical illness can affect anyone at any time and wreak havoc on your world. Critical illness cover offers a lump sum payout on diagnosis of any of the specified critical illnesses covered by the policy. It takes away the financial stress at an otherwise upsetting time, if you are unable to work and therefore support yourself or your dependants.

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Market Leading Insurers

We work with the UK leading insurers. This means we can compare the market and provide you with the very best quote to suit your individual needs and often for less investment than you may initially think.

  • aviva
  • AIG logo
  • bupa
  • Zurich
  • vitality
  • Legal & General
  • axa
  • Aegon
  • freedom
  • LV
  • the-exeter
  • wpa
  • health-online