Personal protection
Income Protection provides a regular monthly income if you're unable to work due to illness or injury, helping you keep up with everyday costs while you're off work and unable to earn.
Key benefits
What's typically included
Important to know
Every policy is different, so exact exclusions depend on the insurer and your individual circumstances. Common exclusions to be aware of include:
Common questions
Quick answers to the things people ask us most. Can't find what you're looking for? Get in touch and we'll be happy to help.
Our Blackburn-based advisers are happy to talk it through, with no obligation.
Insurers typically allow you to insure a proportion of your gross income, often up to around 50-65%, to reflect that benefits are usually paid tax-free. An adviser can confirm the maximum for your circumstances.
This is the waiting period between becoming unable to work and your income protection payments starting. It's often set to align with any sick pay your employer provides, and a longer deferred period usually means a lower premium.
No, standard Income Protection covers illness and injury, not job loss. Unemployment cover is a different type of policy, and your adviser can discuss whether it might be relevant to you.
This depends on the type of policy. Short-term policies pay for a defined period per claim, while long-term policies can continue paying until you return to work, retire, or reach the end of the policy term.
Tell us what matters to you and one of our advisers will help you explore your options.