- Online Services
- Supporting You
- Supporting Client
- Knowledge centre
- Document Library
If your client is unable to work because of sickness or an accident, not knowing if they can pay their bills causes additional worry and stress. Income Protection alleviates that with cover options that pay out when it matters.
Income Protection is typically used to cover clients in less risky occupations (usually office workers) who want to protect their own income. They’ll need to be a UK resident and registered with a GP for at least two years. Our cover offers many valuable features included in the cost, such as:
If your client becomes sick or injured and is unable to work, they’ll receive a monthly benefit of up to 60% of their income – up until they’re able to get back to work or their claim period ends. With level-cover, the monthly benefit is limited to a maximum of £250,000 a year (or £20,833 a month); for inflation-linked cover, the maximum is £175,000 a year (or £14,583 a month).
Our Income Protection is suitable for many of your clients – learn more about the main features, suitability, costs and waiver of premium here:
With Income Protection suiting your clients in less risky jobs (like office workers or accountants), what does that mean for your clients in riskier jobs?
Personal Sick Pay is aimed at clients who are more expensive to insure (like construction workers, nurses and driving occupations). It’s a more affordable option for many clients as the price increases with age.
We’re here to make your advice stand out. And as a leading specialist in Income Protection, we’re even easier to recommend to your clients. With our range of products that protect your clients’ income, you can tailor your recommendations by age, lifestyle, budget and occupation.
We’re proud to have been awarded Moneyfacts’ Best Income Protection Provider for the thirteenth year running. See more on our awards for our protection and retirement options.
With a range of practical and emotional support, your clients will get the most from their Income Protection, at no extra cost.
We’re here for your clients when they need us most. Your clients and their spouse/partner* have access to 6 expert medical advice services – all accessible in a handy app or by phone, wherever they are:
*Spouse, civil partner or person with whom the policyholder lives with as a partner and at the same address.
**The five sessions limit is split between the policyholder/life assured and partner/spouse.
Your clients get greater value with our Income Protection. Once your client has taken out a policy with us and agreed to be a member, they’ll be entitled to exclusive benefits and support:
We offer a clear and fair approach to paying claims – and believe anyone can be affected by long-term illness, regardless of age or lifestyle.
We’re proud to have paid 93% of Income Protection claims in 2021. A successful claim is as important to your client as it is to you - your clients get vital financial help when they need it most and you feel confident in the provider you recommended.
*93% Income Protection claims paid (includes new claims admitted in 2021 and those already being paid before 1 January 2021 that continued to be paid in 2021) 82% Income Protection for new claims admitted in 2021. Personal Sick Pay claims are not included.
We’re committed to supporting the conversations you have with your clients, with expert underwriting and online quote and apply.
Our underwriting measures an individual’s risk – assessing their lifestyle, medical history, occupation, hobbies and financial circumstances. That means we offer the right terms in relation to risk. But we keep it simple – we offer terms wherever possible and without unnecessary medical evidence.
Our quote and apply system – Fastway – makes it quicker to protect clients. It’s a fast and flexible application journey and gives you an immediate underwriting decision.