What is Income Protection?

Income Protection is a type of insurance which aims to help your clients keep some money coming in if they can’t work due to sickness or injury.

If they’re worried about how they would continue to pay their bills or maintain their lifestyle if they couldn’t work, it could be something for them to consider.

Key features of our Income Protection

  • Your clients can choose a benefit amount of between £500 and £6,000 a month, up to a maximum of 70% of their earnings.
  • A choice of a maximum of 1 or 2 years' benefit.
  • Protection against a fall in earnings between the policy starting and the time of a claim. Your clients can protect up to £2,000 a month of their main benefit by submitting proof of earnings within 3 months of their policy starting.
  • We support your clients’ recovery and rehabilitation while we’re managing their claim. We’ll pay up to £1,000 a year to help cover their expenses for 2 private consultations and for physical/mental health therapies.
  • A choice of when your clients want their benefit to start from after their injury – 30, 60, 90 or 180 days.
  • Options to pay extra to cover an enhanced list of hazardous pursuits. Your clients can choose cover of between £500 and £2,000 a month, up to their selected amount of main benefit. Find out more below.
  • Unlimited access to our Friendly GP service available 24/7, including phone and video consultations, private prescriptions and open referrals.

Our Income Protection cover includes:

A back to work benefit which pays a proportionate benefit if your client returns to work on lower earnings than before.
A contingency benefit that provides a maximum benefit of £500 a month if they’re regularly working less than 16 hours a week and due to illness or injury aren’t able to carry out their current role.
An accidental death benefit option - if they select this option and die as a result of an accident within 30 days of it happening, we’ll pay a lump sum equating to 1 or 2 years' main benefit, whichever they choose when they apply.
An option to change your cover for certain benefits at a later date to match your changing needs.
An option for increased cover each year, to take account of inflation and increases in your earnings. Their payments will increase to reflect the higher cover.
A flexible policy end date - choice for the policy to end at any birthday between ages 60 and 70.
A premium waiver - no need to make any payments whilst they’re receiving benefit from us.
Our guaranteed insurability option, which allows them to increase their cover without medical checks for certain life events.

Hazardous Pursuits

Our Income Protection includes cover for some leisure activities as standard. But we also offer your clients the option to pay extra to cover an enhanced list of what we call ‘hazardous pursuits’. Hobbies and pastimes categorised as hazardous pursuits include activities such as Bouldering and Motor Sports.

The full list of hazardous pursuits covered can be found here. Any sport or pastime not on the list will not be covered.

Free access to Friendly GP

Our virtual GP service, Friendly GP, is a free added benefit to your client's policy which can be accessed over the phone or online 24 hours a day, 7 days a week.

This means your clients always have easy access to a doctor when they need their help.

  • 24/7 unlimited GP telephone consultations
  • Video consultations
  • Private prescriptions
  • Open referrals

Our underwriting approach: pragmatic, flexible and friendly

Our underwriters manage every case individually and appreciate that everything isn’t always black and white.

This means:

  • A personalised approach to underwriting for mental health.
  • We can change underwriting exclusions and loadings to consider personal circumstances.
  • We’ll consider chronic conditions and higher risk occupations.
  • We’re happy to talk through complex medical conditions and use existing medical evidence to provide cover quicker.
  • We work with reinsurers and claims specialists to make sure we’re responsive, fair and consistent in our decision-making process.

Our team of experienced underwriters provide a sensible, empathetic approach and are always happy to talk through any questions you may have.

Your questions answered

To apply for a policy you have to be:

  • aged between 18 to 59 when your policy starts
  • working and living in the UK (this doesn’t include the Channel Islands or the Isle of Man)
  • working at least 16 hours a week
  • able to pay for it from a UK bank account
  • registered with a UK doctor with access to at least the last two years of your medical records

They can choose a benefit amount of between £500 and £6,000 a month in £10 monthly increments. The benefit they choose cannot exceed 70% of their earnings when your policy starts and we’ll check this when they claim.

This policy is designed to cover policyholders living and working in the UK. It will also cover claims which start whilst you’re in a country in the European Union, or in a limited list of other countries which can be found in the Policy Conditions.

If your client has been working less than 16 hours a week for more than 3 months when their injury or illness starts, they will not be eligible for the main benefit. But they may be entitled to our contingency benefit.

All policies come with free access to our virtual GP service. It’s called Friendly GP and it can be accessed over the phone or online 24 hours a day, 7 days a week.

We’ll give you the full details on how they can access it when they take out a policy or they can go to our Existing Members page to find out more.

Any other questions?

If there’s anything else you want to know or you’d like to talk through your options, please give us a call on 0333 014 6244 and we’ll be happy to help.

8am to 6pm Monday to Friday excluding bank holidays. Calls are recorded for training and quality purposes. Calls from UK landlines and mobiles cost no more than a call to a 01 or 02 number and will count towards any inclusive minutes.

Next steps

Get a quote for your client and apply online

Our easy online journey makes arranging cover quick and straightforward.

Choose this option if you:

  • Already have a login
  • Want an instant quote
  • Want to put through an online application

Monday to Friday / 8am - 6pm

Apply to work with us

Get access to our quote calculators, online application forms and useful collateral.

  • Fill in an application today
  • Give our Broker Support team a call if you have any questions

0333 014 6296

Monday to Friday / 9am – 5pm

Important information

  • Inflation will mean any benefit we pay is likely to have less buying power in the future, even if they choose an increasing benefit.
  • The policy won’t pay out immediately after an illness or injury. There will always be a waiting period.
  • The policy will pay out for a maximum of one or two years on any claim. Your client will choose one of these terms when you apply.
  • If your client cancels their policy they’ll get nothing back.
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