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Income Protection Image 1

What is life insurance?

Life insurance is a contractual agreement between the policyholder and the insurer, under which the policyholder pays regular monthly premiums in exchange for financial cover payable upon death.

Income Protection Image 2

What is income protection?

This is a product that you can take out with life insurance that pays you a regular income (often 50-70% of your salary) in the event of being unable to work due to illness or injury. It can be used to support your lifestyle and financial obligations until you return to work or retire.

Do I need income protection?

If you're unable to work due to illness/injury, can you afford your monthly bills?

How long could your savings support you – 1 month, 3 months, 6 months+?

Does your employer provide sick pay – and for how long?

After that ends, could you live on £118.75 per week of Statutory Sick Pay (SSP)?

Many people have life insurance to protect their family if they pass away – but no cover to protect their income while they’re still alive.

If the answer to these questions is “no”, Income Protection could be something worth considering.

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Only 14% of Brits have income protection, meaning 86% are at risk of struggling financially if they are unable to work due to illness or injury.

Source: Shepherds Friendly, 2024

37% of UK workers overestimate the cost of both income protection and life insurance policies, potentially leading many to overlook affordable coverage options.

Source: [The Exeter], 2023

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A true match

We don’t just throw quotes at you and see which one sticks. To make sure you don’t get decision fatigue, we take the time to understand your unique circumstances and match you to a trusted partner.

Free, easy service

We offer a fee-free service, which means you don’t need to pay us anything and you’re not obligated to purchase a policy. You’re free to get the quote, take the time you need to decide, and walk away if it’s not for you.

Peace of mind

With our trusted expert partners, you can have some peace of mind knowing you’ve chosen the most suitable policy for you and you’re covered should something occur.

With life insurance and income protection , you gain peace of mind knowing your financial security is covered. One less thing to worry about when the unexpected happens.

Get a free, no-obligation quote.

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Common Questions

The cost of an income protection policy can be affected by many factors such as your age, height, weight, the amount of cover you choose, if you're employed in a high-risk job and if you smoke. It’s important to discuss with your insurer any factors that could affect your premiums.

Life insurance and income protection cover different risks. Life insurance pays a lump sum to your family if you die. Income protection pays you regular monthly income if you're off work due to illness or injury. Together, they protect both your family’s future and your present income.

If you have dependents, financial commitments, or rely on your income to maintain your lifestyle, this kind of cover can provide peace of mind. It’s especially helpful for families, homeowners, and anyone without sick pay or savings to fall back on.

Payouts are never guaranteed, however, 96.9% all claims did pay out in 2021, with the average policy payout in 2022 coming in at £73,578. The main reason payouts don’t occur is because essential information was omitted or false at the time of applying, so be sure to provide your insurer with all relevant details.

Pricing

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 5th February 2025.

Cover from £10 Per Month

From £10 per month for up to £300,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 5th February 2025.

£322,952 over 20 years Aviva Logo

30 years old born in 1996

£197,619 over 20 years Aviva Logo

35 years old born in 1991

£159,606 over 15 years Aviva Logo

40 years old born in 1986

£92,280 over 15 years Aviva Logo

45 years old born in 1981

£67,652 over 10 years Aviva Logo

50 years old born in 1976

£37,971 over 10 years Aviva Logo

55 years old born in 1971

£20,242 over 10 years Aviva Logo

60 years old born in 1966

£12,368 over 10 years Aviva Logo

65 years old born in 1961

£7,497 over 10 years Aviva Logo

70 years old born in 1956

Cover from £5 Per Month

†From £5 per month for up to £100,000 is an example based on the following pricing illustrations.£5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 5th February 2025.

£117,810 over 20 years Aviva Logo

30 years old born in 1996

£75,745 over 20 years Aviva Logo

35 years old born in 1991

£56,577 over 15 years Aviva Logo

40 years old born in 1986

£35,960 over 15 years Aviva Logo

45 years old born in 1981

£26,787 over 10 years Aviva Logo

50 years old born in 1976

£17,018 over 10 years Aviva Logo

55 years old born in 1971

£10,115 over 10 years Aviva Logo

60 years old born in 1966

£6,181 over 10 years Aviva Logo

65 years old born in 1961

£3,746 over 10 years Aviva Logo

70 years old born in 1956

£4.18 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£4.35 per month AIG Logo

£175,000 level term Life Cover for 30 Years

£4.62 per month AIG Logo

£200,000 level term Life Cover for 30 Years

£4.88 per month AIG Logo

£225,000 level term Life Cover for 30 Years

£5.16 per month AIG Logo

£250,000 level term Life Cover for 30 Years

£6.98 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£7.93 per month AIG Logo

£175,000 level term Life Cover for 30 Years

£8.71 per month AIG Logo

£200,000 level term Life Cover for 30 Years

£9.48 per month AIG Logo

£225,000 level term Life Cover for 30 Years

£10.19 per month AIG Logo

£250,000 level term Life Cover for 30 Years

£10.31 per month Aviva Logo

£150,000 level term Life Cover for 30 Years

£11.56 per month Aviva Logo

£175,000 level term Life Cover for 30 Years

£12.84 per month Aviva Logo

£200,000 level term Life Cover for 30 Years

£14.12 per month Aviva Logo

£225,000 level term Life Cover for 30 Years

£15.40 per month Aviva Logo

£250,000 level term Life Cover for 30 Years

£23.55 per month AIG Logo

£150,000 level term Life Cover for 30 Years

£25.95 per month Legal & General Logo

£175,000 level term Life Cover for 30 Years

£29.37 per month Legal & General Logo

£200,000 level term Life Cover for 30 Years

£32.79 per month Legal & General Logo

£225,000 level term Life Cover for 30 Years

£36.20 per month AIG Logo

£250,000 level term Life Cover for 30 Years

£43.40 per month Legal & General Logo

£150,000 level term Life Cover for 30 Years

£48.22 per month Legal & General Logo

£175,000 level term Life Cover for 30 Years

£54.82 per month Legal & General Logo

£200,000 level term Life Cover for 30 Years

£61.42 per month Legal & General Logo

£225,000 level term Life Cover for 30 Years

£68.02 per month Legal & General Logo

£250,000 level term Life Cover for 30 Years

£120.56 per month Aviva Logo

£150,000 level term Life Cover for 20 Years

£137.98 per month Aviva Logo

£175,000 level term Life Cover for 20 Years

£159.67 per month Aviva Logo

£200,000 level term Life Cover for 20 Years

£181.36 per month Aviva Logo

£225,000 level term Life Cover for 20 Years

£203.05 per month Aviva Logo

£250,000 level term Life Cover for 20 Years

From £8 Per Month

Whole of Life

Whole of Life Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 5th February 2025.

Up to £5,437 sum assured Legal & General Logo

30 year old born in 1996

Up to £4,624 sum assured Aviva Logo

35 years old born in 1991

Up to £3,931 sum assured Aviva Logo

40 years old born in 1986

Up to £3,345 sum assured Aviva Logo

45 years old born in 1981

Up to £3,137 sum assured Aviva Logo

50 years old born in 1976

Up to £2,655 sum assured Aviva Logo

55 years old born in 1971

Up to £2,277 sum assured Aviva Logo

60 years old born in 1966

From £10 Per Month

Critical Illness

Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as of 5th February 2025.

Up to £30,753 over 20 years Legal & General Logo

30 year old born in 1996

Up to £22,278 over 20 years Aviva Logo

35 years old born in 1991

Up to £18,353 over 15 years Aviva Logo

40 years old born in 1986

Up to £13,425 over 15 years Aviva Logo

45 years old born in 1981

Up to £10,171 over 10 years Aviva Logo

50 years old born in 1976

Up to £7,100 over 10 years Aviva Logo

55 years old born in 1971

Up to £4,805 over 10 years Aviva Logo

60 years old born in 1966

SSP rates are subject to change by the UK government.

Income Protection usually has a deferred period ( a waiting period before payments start).

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Testimonials

Star Rating

"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."

Lynn K

Star Rating

"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."

Alan S

Star Rating

"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."

Lou G

Star Rating

"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."

Paul M

Star Rating

"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."

Graham F

Star Rating

"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."

Brad J

Star Rating

"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."

Dave C

Star Rating

"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."

Hannah G

Star Rating

"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."

Mick D

Star Rating

"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."

Victoria S