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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.
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.
Get a free quoteOnly 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.
Common Questions
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.
30 years old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
65 years old born in 1961
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.
30 years old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966
65 years old born in 1961
70 years old born in 1956
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 30 Years
£175,000 level term Life Cover for 30 Years
£200,000 level term Life Cover for 30 Years
£225,000 level term Life Cover for 30 Years
£250,000 level term Life Cover for 30 Years
£150,000 level term Life Cover for 20 Years
£175,000 level term Life Cover for 20 Years
£200,000 level term Life Cover for 20 Years
£225,000 level term Life Cover for 20 Years
£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.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
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.
30 year old born in 1996
35 years old born in 1991
40 years old born in 1986
45 years old born in 1981
50 years old born in 1976
55 years old born in 1971
60 years old born in 1966