Toggle navigation

Income Protection Insurance

The policy that every working person should consider
Get advice & quote Call 0800 316 7253

Reasons to choose Income Protection Insurance

  • Think about it - you're more likely to be off work sick than you are to pass away before retirement, so this is the most essential cover available
  • If you're sick or injured, this insurance will enable you to pay your bills and provide for you and your loved ones
  • Where state benefits can and do change inline with government policy, this cover is a contract and a promise to you that won't change

Why taking expert advice makes the difference

  • Income protection is one of the most important insurances, as without a regular income you could be hard-pressed to pay the bills
  • Even if your budget is tight - we'll help you prioritise which cover is best for you
  • Being unable to earn is less of a worry when you know your wages are protected

Watch our Income Protection Cover video

Frequently asked questions about this type of policy

Income protection insurance can provide an income if you’re unable to work through sickness or injury - covering your essential outgoings.

Read more about how income protection insurance works here.

You’re more likely to be off work sick or with an injury than you are to pass away before retirement. Whilst you may receive sick pay from your employer, not everybody does and some people overestimate how much they get. Income protection can provide that financial safety net.

Income protection policies can be divided into two general types: short-term and long-term. A short-term policy, as its name implies, only gives you an income for a present limited time, such as six or 12 months. Long-term policies pay you for as long as the policy allows, which might be right through to your retirement or a longer set period, such as 40 years.

Of course. income protection insurance is available to self-employed, primary carers, part-time workers, contractors and more; our expert advisers can provide you with a tailored quote.

Even if you have some difficulty proving your income, there are plenty of options available.

Read more about income protection for self employed contractors here.

Like most insurance products, the cost of income protection differs from person to person. Monthly premiums will be calculated based on a number of factors including: your age, your marital status, whether you smoke or have previously smoked, your lifestyle (such as whether you have any high-risk hobbies like extreme sports), your job and your health. It will also depend on how much cover you choose to take out, and the deferral period you decide on.

Income protection covers you for most illnesses that leave you unable to work: stress-related illnesses, back conditions, cancer or a serious heart condition. The focus is on not being able to work, as opposed to the illness or injury you’ve sustained. 

You won’t be covered for pre-existing and chronic conditions that you knew about before taking out your policy, alcohol or drug misuse, criminal acts, cosmetic surgery or redundancy.

Read more about what does income protection cover here.


Income Protection - advice and guides

We've picked 3 guides we think you'd like, but you can visit the Advice & Guides hub for more.

A quick guide to income protection insurance

22 Jun 2020

Income protection insurance is a product we think you should know more about. Get the facts in our two-minute guide.
Read more

COVID-19 and income protection insurance

21 Sep 2020

If you have an income protection policy or are thinking about buying cover, this guide is for you!

Read more

Why you need income protection insurance

16 Jul 2020

The top five reasons people don’t buy income protection insurance and why it might be time to rethink.

Read more

Read the latest news and views in the LifeSearch Blog

LifeSearch & Diversity

LifeSearch & Diversity

Our new Diversity Squad ensure we truly deliver on our value of Tolerance.

From Gaff Lad to Gaffer

From Gaff Lad to Gaffer

After 50 years, 'Searcher Shaun Barker brings his colourful career to a close

Secret Life of Brits

Secret Life of Brits

Millions of UK adults keeping ill-health a secret from loved ones...

We’re recommended by these huge brands to help their customers

Since 1998, happy LifeSearch teams have protected more than 640,000 UK families

  • Fee-free expert advice, free support services
  • We hunt the market: insurers you know and some you don't
  • We advise, we search, but you decide
  • Over 80 awards and a super-high TrustPilot score
  • Top #3 in Sunday Times Best Places to Work
Read more about us

Each year, one million people in the UK become unable to work due to illness / injury

At least 7% of income protection claims pay out in the first five years of a policy being taken out 

LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.