Income Protection Insurance

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Types of Income Protection

  1. Long Term Income Protection
    Provides a regular income if you cannot work due to illness or disability, potentially up until retirement age.
  2. Short Term Income Protection
    Pays out for a maximum of 12 months if you cannot work because of accident, sickness or unemployment.

Do I Need Income Protection?

50% of people would survive financially for just 17 days after a sudden loss of income. Ask yourself this:


How Much Cover Do I Need?

You may be able to insure up to 70% of your gross salary, tax free. You should decide which costs you want to cover:

What is Income Protection?

Income protection is a type of insurance policy that gives you a tax free monthly income if you are unable to work because of an accident, sickness or unemployment. Income protection could cover up to 70% of your salary, and some income protection insurance policies will pay out right up to your retirement age.

What are the benefits of income protection insurance?

Income protection cover gives you financial security when you need it most. If you were to unexpectedly lose your income, it is likely that you would need to rely on your savings, your partner’s income or state benefits. For most people, this would not be enough to maintain their current lifestyle. Here are just some of the costs you can cover with income protection:

Getting ill, having an accident or being made redundant could happen to any of us. You won’t hesitate to insure your car, your home and quote possible your pets, so don’t neglect to insure the one thing that maintains these things: your income!

What type of Income Protection Cover is available?

Income protection insurance can be tailored to suit each individual customer. Long-term income protection is designed to protect against just accident and sickness and can provide a regular income until you are well enough to work or until the end of the policy - usually retirement age.

Short-term income protection policies are designed to cover periods of temporary incapacity or unemployment, and will usually pay out for a maximum of 12 months, even if you are unable to work for longer. Short-term policies usually protect against accident, sickness and unemployment, and can be used to cover specific debts like your mortgage or a credit card repayment.

Why compare Income Protection with us?

Income protection insurance can be complicated for people who are unfamiliar with the product. With so many different options to choose between, it is difficult to know where to begin! Here are 4 key reasons you should compare income protection cover with us:

We will bring you free, no obligation income protection insurance quotes from all the leading UK providers including LV, Aviva and Prudential. And because we know that income protection can be confusing, we offer free, no obligation advice from a team of experts. Once you are happy with your policy, you can purchase it immediately for quick financial security. is a trading style of ActiveQuote Health Ltd registered in England & Wales company number 6765845. ActiveQuote Health Ltd, 1st Floor, Cambrian Buildings, Mount Stuart Square, Cardiff Bay, CF10 5FL. Authorised and Regulated by the Financial Services Authority (FSA) number 501109.