Personal Protection
Income Protection Cover.
Why Income Protection?
People don’t always see the need for Income Protection Cover. There’s a common expectation that the Government and employers will look after people financially if they become ill and unable to work.
In reality, Government benefits won't cover most people and help them pay bills while maintaining their family’s lifestyle. Additionally, very few people actually receive sick pay from their employers for more than six months, let alone for more than a year.
Our 5-star rated Income Protection Cover can help by offering your clients a tax-free monthly income payment if they are unable to work because of illness, injury or disability. We help to ensure their monthly outgoings are covered and offer additional benefits to help them recover and settle back into work.
The facts
- 43% of UK employers would reduce pay to statuary sick pay after two weeks1
- The average length of an income protection claim is 3 years2
- The average family spends £112 every week on things like housing, transport and food3
Reasons to recommend our award-winning cover
Our Income Protection Cover has many unique features.- Extra protection when it is needed most
- Extensive Back to Work Support
- We have a unique back to work benefit
- We have a strong underwriting philosophy
New
Dual Deferred Period Calculator
Our simple Dual Deferred Period Calculator enables you to work out the maximum benefit amount that you’re able to select based on your client’s sick pay scheme.
All about our Income Protection
Income Protection Toolkit.
In this toolkit, you can easily access everything you’ll need to talk to your clients about Income Protection. We’ve highlighted the most popular resources in yellow for you to explore. You'll find other toolkits throughout our website.
Not just good for your clients
Why should you speak to your clients about Income Protection Cover?
The benefits for your clients
1. Flexible Product Solutions.We offer three flexible solutions – Income Protection Cover, Income Protection Cover Plus and Short-Term Income Protection Cover. All of which offer excellent protection as well as the flexibility for your clients to choose when they would like to receive their monthly income post-claim, from one month to twelve months.
2. The Recovery Pathway.
As part of our Income Protection Cover we also provide your clients with specialist care and support to aid their recovery and return to work. With our Recovery Benefit they can access things like specialist treatments, counsellors, support groups and training courses. They will get up to £2,000 with our Income Protection Cover Plus and up to £1,000 with Income Protection Cover and our Short-Term Income Protection Cover.
Income Protection Cover Plus also gives your clients access to our Hospitalisation Benefit and Permanent Disability Uplift.
3. Returning to work.
We’ll continue to pay your clients income until they are ready to return to the job that they had held previously or until they are able to match their previous earnings.
To further support your clients in their return to work, with our Back to Work Benefit upon their return they’ll receive a cash bonus to help them with any associated costs of returning to work.
Where to next?
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Additional cover and options
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Explore our additional covers and options that allow you to tailor your client's protection plan
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Life Cover
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Life Cover pays a lump sum cash payment if your client dies or is diagnosed with a terminal illness
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Personal Protection Literature
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We have a range of assets available for download making it even easier for you to do business with us
1 Direct Line Group, Brits in the dark over sick pay, 2018
2 Drewberry, accessed March 2020
3 ons.gov.uk, Family spending in the UK: April 2019 to March 2020, March 2021