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We can find you the most suitable Income Protection Insurance policy that protects you and your family - with expert guidance and no fees.
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This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability. For most policies, these payments can last to retirement age if necessary, and multiple claims can be made provided premiums continue to be paid. Read more
Income Protection Insurance pays out a sum of money every month in the event that you are unable to work due to sickness or injury. The money can be used to cover your regular expenditure like mortgage payments, household bills and other living expenses.
Premiums are paid monthly and the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.
The Premiums are affected by various factors including the monthly sum insured, salary, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
A good way to reduce the cost of the premiums is to defer when the policy pays out after a claim is registered. It is worth considering whether your employer offers any sickness benefits or whether you have any savings to extend the deferment period.
This provides monthly tax-free payments in the event that you cannot work due to injury, short or long-term sickness or disability, and a tax-free lump-sum payment in the event of death during the fixed term of the policy. Read more
Life and Income Protection Insurance protects families from financial hardship by paying out a sum of money every month in the event that the policyholder is unable to work due to sickness or injury as well as a one-off lump-sum if the policyholder dies during the term of the policy.
The money can be used to settle monthly household bills, or with a lump-sum payment, pay off an outstanding mortgage, or other debts.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of life insurance cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
For Income Protection Insurance, the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
This provides a one-off tax-free lump-sum payment in the event of a serious illness like cancer or permanent disability caused by injury during the fixed term of the policy. Read more
Critical Illness Cover protects families from financial hardship by paying out a one-off lump-sum if the policyholder suffers a serious illness like cancer or a stroke, or a permanent disability caused by injury during the term of the policy. The money can be used to pay for medical treatment or rehabilitation or pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of Critical Illness Cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than others.
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The quotation service is provided by an FCA-authorised insurance specialist
Your monthly salary pays the mortgage, covers the bills and supports your family’s lifestyle, but what happens if illness or injury prevents you from working? Most sick pay runs out within weeks, which leaves you without income when you need it the most, so without proper protection, you risk:
Let us help protect your income when you’re physically unable to work.
Your mortgage doesn’t pause when you’re too ill to work, and neither do household bills or the general expense of raising a family. We understand how challenging it can be to compare quotes without a financial adviser, so we connect you with advisers who specialise in Income Protection Insurance.
We know that comparing relevant life cover means navigating different provider definitions, discretionary trust arrangements, and small print that makes a real difference when claims are made.
Your family’s financial security shouldn’t depend on you staying healthy forever, so let us help you find the right protection for your family."
James Stait,
British Life
If your salary stopped tomorrow due to illness or injury, how long could your family maintain its current lifestyle?
Statutory sick pay runs out. Savings deplete quickly. Bills keep coming. Yet most people have no protection in place to bridge that gap.
British Life connects you with FCA-authorised advisers who specialise in Income Protection Insurance across the UK. They work with the whole market to secure policies that match your budget and specific circumstances. Your adviser helps you understand policy types, deferred periods, benefit amounts and contract terms so you can make an informed choice about the right cover.
Picture the peace of mind that comes from knowing you and your family won’t face financial hardship if you can’t work. You won’t need to worry about protecting your mortgage, covering your household bills or maintaining your family’s standard of living.
Discover how straightforward Income Protection Insurance can be. Start your personalised quote today.
Our service is completely free. The advisers we connect you with receive payment from insurers, but only after they secure appropriate cover for you. As for your monthly premium, Income Protection Insurance costs vary based on your age, health, occupation, employment type, smoking status, selected benefit amount and chosen deferred period. For example, a longer waiting period significantly reduces monthly costs. Your adviser works within your budget to search insurers across the UK market for suitable cover.
Income Protection Insurance pays regular, tax-free, monthly income if you're unable to work due to any illness or injury. It can provide cover up to retirement age and allows you to make multiple claims as needed. Critical Illness Cover (also called serious illness cover) pays a one-off lump sum if you're diagnosed with a specific serious illness from a defined list. Income Protection Insurance covers far more scenarios since most illnesses that stop you working won't trigger Critical Illness Cover. Many people combine both for comprehensive protection.
Yes. Combined Life and Income Protection Insurance provides both monthly income replacement if you can't work due to illness or injury, plus a lump sum payment to your family if you die during the policy term. This combination of life insurance and Income Protection Insurance often costs less than separate policies and ensures comprehensive protection. Your adviser can compare quotes for combined cover versus individual policies to find the most cost-effective option.
The deferred period (also called the excess period or waiting period) is how long you must be unable to work before monthly payments start. Common options are four, eight, 13, 26 or 52 weeks. A longer deferred period means lower monthly premiums. If your employer provides good sick pay for three months, a 13-week deferred period makes sense. If you're self-employed with no sick pay, a shorter waiting time of four weeks offers better protection but costs more.
This depends on your medical history. Most insurers will provide cover but may charge higher premiums or exclude claims related to pre-existing conditions. Our advisers know which providers are more accepting of specific health conditions and can work with you to find a good match. Being honest about your medical history is essential — if you're not upfront, the insurer can refuse to pay valid claims later.
Own-occupation means the policy pays out if you can't do your specific job due to illness or injury. Any-occupation means the policy only pays if you're unable to do any job suited to your education and experience. Own-occupation offers stronger protection, particularly for skilled professionals, but it costs more. Your adviser will explain which definition best suits your circumstances.
Yes. Some policies include Fracture Cover as an additional benefit. If you suffer a bone fracture from an accident, the policy pays a one-off cash value (typically £500 to £2,500 depending on the bone and severity) regardless of whether you're able to work. This provides extra support for immediate costs while you recover. Your adviser can identify policies that include Fracture Cover if this is important to you.
For straightforward cases with no significant medical history, you can often get cover within a few days. If you have pre-existing conditions or work in a higher-risk occupation, insurers may request additional information from your doctor or arrange a medical examination, which can extend the timeline to several weeks. Your adviser will give you a realistic time frame based on your circumstances.
Once you've started your quote, you'll receive a call from an FCA-authorised adviser to finalise your requirements. We'll then compare income protection quotes from across the whole UK market and present you with the best options for your needs and budget. Your adviser will explain the policy documents, help you understand the claim process and ensure you're clear on what your monthly benefit will be and when monthly payments would start.
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.
Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.
Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.
We have tracked down the very best protection insurance advisers in the UK to ensure you have access to great advice and the best products from the leading insurers.
Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
Outstanding service and knowledgeable customer service rep. I received a call as promised in my email. Marie was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.
Marie was very sensitive when discussing personal circumstances and listened carefully and showed...
N Marsden