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Income Protection

In 2022, 185.6 million working days were lost due to sickness or injury 1

Helped Protect Over 50,000 Families

Income Protection provides up to 60% of your annual salary, paid in monthly instalments, if you’re unable to work for medical reasons, helping you to stay on top of your bills until you’re well enough to return to work.



For example if a broken leg stopped you from working, or you were signed off for an extended period due to mental health, you wouldn’t have to dip into your savings to cover the bills once your sick pay ran out.

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  • Financial Stability

    Income Protection can supplement or replace your sick pay, for a set period or until you retire or the policy finishes, helping to cover the bills while you get back on your feet. This is especially relevant for freelancers or those without sick pay.

  • Flexible Cover

    Choose cover that suits your needs, whether that’s a short-term payout for a max period of 1-5 years, or long-term cover which lasts for as long as you need – until you return to work, retire, or your policy ends. 

  • Mental Wellbeing

    Unlike Serious Illness Cover, Income Protection can help to supplement or replace your sick pay if you’re signed off work due to mental health issues such as stress, depression or anxiety.

  • Recovery Support

    Afford yourself the space and time you need to focus on recovery so you can get back to work sooner.

  • Credit Protection

    Because your income protection payouts can help you cover your monthly outgoings, you are less likely to miss payments which will have a knock-on effect on your credit score, something which could impact your life for years to come.

  • What’s usually covered?

      Income Protection will cover most illnesses or injuries which stop you from working or collecting your salary. You can usually claim as many times as you need to while the policy is running, which can be anywhere from 2-5 years, or up until you retire. 
  • What’s not covered?

      Income Protection will not pay out if you lose your income due to resignation, redundancy, or dismissal – it only covers illness and injury. In addition, there may be certain exclusions included in your policy due to pre-existing conditions, but this isn’t always the case, and your advisor will make these clear to you.  
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  • Fill in the form

    It’s just a few questions, no confusing financial jargon, and you’ll be done before the kettle’s boiled. Once you’re ready, just hit ‘send’.
  • Talk to us
    Expect a call. Not from a robot, but from a real person who’s here to help you find the right cover for you and your family.
  • Relax

    Let’s be honest, you’re a dad & you’ve got loads on. So we’ll handle the tricky stuff while you get on with your day. Simple, huh?
dad with kids
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References

[1] ons.gov.uk