How much you would receive
Choose a benefit that reflects the income you need to protect, within the insurer’s limits.
Income protection
Your income pays for everything else.What protects it?
If illness or injury stopped you working, how long could your household keep going?
Income protection can pay a regular benefit that replaces part of your earnings after a chosen waiting period, subject to the policy terms. It can help you keep paying for the ordinary life that continues while you recover.
The real-world purpose
Keep the monthly essentials covered.
Mortgage or rent. Food and utilities. Childcare. Car payments. These costs rarely pause when your pay does. An income protection policy is designed to support ongoing expenses if illness or injury means you cannot work.
It is especially relevant when your earnings depend on being fit to do a physically demanding job, when sick pay is limited, or when you work for yourself.
Build the right policy
Three decisions shape how useful it is.
When payments would begin
A waiting period should work alongside your savings and any employer sick pay.
How a claim is assessed
Definitions of incapacity matter. For specialist jobs, we pay particular attention to how the policy treats your own occupation.
Advice that starts with your working life.
Tell us about your duties, employment or contracting arrangement, sick pay and existing benefits. We’ll help you choose a sensible waiting period and benefit, and explain what the policy would need for a claim.
Unlike critical illness cover, the trigger is generally an inability to work due to illness or injury under the policy definition. It does not require a diagnosis from a fixed list of specified serious conditions.
Read common questions →Common questions
What you may be wondering.
Does it cover redundancy?
Ordinary income protection is designed for inability to work due to illness or injury, not job loss. We will explain the scope of any policy discussed.
Can I choose when payments start?
Policies offer different waiting periods. The right one depends on savings, employer sick pay and what you could afford while waiting.