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 client can choose a benefit amount of between £500 and £6,000, up to a maximum of 70% of their earnings. If they choose a 5-year claim period, the maximum benefit they can choose is £2,000.
  • A choice of 1, 2 or 5-year benefit period.
  • Protect your client against a fall in earnings between their policy starting and the time of their claim. They can protect up to £3,000 a month of their main benefit by submitting proof of earnings within 6 months of their policy starting.
  • Get support for your client’s recovery and rehabilitation while they're managing their claim. We'll pay up to a maximum of £1,500 a year to help cover their expenses for 2 private consultations and for physical/mental health therapies.
  • Choose when your client wants their benefit to start from after their claim - 30, 60, 90, 180 or 365 days.
  • Your client has the option to pay extra to cover an enhanced list of hazardous pursuits. They can choose cover of between £500 and £2,000 a month, up to their selected amount of main benefit. If they choose a 5-year claim period, the maximum hazardous pursuits cover would be £500 per month. 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 is a proportionate benefit if your client returns to work on lower earnings than before.
An accidental death benefit option - if your client selects this option and dies as a result of an accident within 30 days of that accident, we'll pay a lump sum equating to 1, 2 or 5-years' main benefit, whichever they choose when they apply.
An option for increased cover each year, to take account of inflation and increases in your client’s earnings. Their payments will increase to reflect the higher cover.
No need to make any payments whilst your client is receiving benefit from us.
A contingency benefit that provides a maximum benefit of £500 a month for a maximum of 12 months if your client is working for less than 16 hours a week and they’re unable to carry out their normal role due to an accident.
Our guaranteed insurability option which allows your client to increase their cover without medical checks for certain life events.
A flexible policy end date – your client can choose for their policy to end at any birthday between ages 50 and 70.
An option to change your client’s cover for certain benefits at a later date to match their changing needs.

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.

Help cover the costs your client might face as a result of a bone fracture

A cash payout can’t heal them – they'll need time for that. But it can help them meet the costs associated with the impact of their injury.  

The pay-out they receive will be determined by which category fracture they’ve suffered. 

Your client can claim for a range of fractures classified as Mild, Moderate or Major. The cover areas from their skull down to their feet and range from £1,000 to £3,000. 

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

Underwriting is an important part of our application process. It's where we review your client’s medical history and other aspects of their life to help us decide what protection we can offer them. 

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

Your client can choose a benefit amount of between £500 and £6,000 a month in £10 monthly increments. This is limited to £2,000 a month where they choose a benefit period of 5 years. The benefit they choose cannot exceed 70% of your earnings when their 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’s 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 of £500 per month. 

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 your client 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.

If your client is looking to make a claim, they should head over to our Claims page. There they will find more information on how to contact us and how we can help guide them through the process. 

We set a standard payment across all accepted occupation types. Your client’s cover will renew automatically each year unless they tell us they no longer want it. Find out more about fracture cover here.

Any other questions?

If there’s anything else you want to know, please give us a call on 0333 014 6296and 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 1, 2 or 5 years on any claim. Your client will choose one of these terms when they apply.
  • If your client cancels their policy they’ll get nothing back.
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