Which? Income Protection Quotes
Frequently asked questions
Income protection insurance can provide an income if you’re unable to work through sickness or injury - covering your essential outgoings.
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 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.
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.
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Frequently asked questions
Income protection insurance can provide an income if you’re unable to work through sickness or injury - covering your essential outgoings.
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 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.
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.
LifeSearch offer a fee-free service to you
You pay nothing for our service, whether you arrange cover or not.
How LifeSearch are paid
LifeSearch is an insurance intermediary that acts for its customers in conjunction with the insurers. We provide a service which enables you to compare a number of prices for products and services and make a decision based on those comparisons. There is no charge for this service but we do earn a commission from the insurers offering these products & services.
LifeSearch is committed to finding you the right income protection policy for your circumstances and our advisers do not recommend policies based on fees from insurers, so you can be confident that your needs are at the heart of the service.
What relationship does Which? Limited have with LifeSearch
If you decide to go ahead with LifeSearch, Which? will receive a commission to help fund their not-for-profit mission and their campaigns work as a champion for the UK consumer.
LifeSearch compare quotes from a range of major UK insurers. Advice offered is fee-free and all quotes given are without obligation.