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Income protection insurance

Protect your income if you can't work. And boost your payouts by up to 20%1 when you look after your health.

5 Star Defaqto rated income protection

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What is income protection insurance?

Income protection is a type of insurance policy that provides a regular stream of monthly income if you're unable to work due to illness or injury.

This financial safety net allows you to focus on your recovery without the added stress of lost income and mounting bills.

While you recover, the tax-free payout from an income protection policy can continue until you're well enough to return to work.

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Benefits of income protection insurance

  • Pays you a tax-free monthly income if you need to take time off work for an illness or if you’ve been injured
  • Helps pay for expenses like a mortgage or rent whilst you recover
  • Get access to our private health network to help your recovery with physio, therapy and cancer support

We paid 95.4% of Income Protection Cover Claims in 2023 (Vitality Claims and Benefits Report, 2024)

How does income protection work?

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Choose how much cover you need

You select the amount of protection you need and any deferred period*

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Pay a monthly premium

This is what you'll pay each month for your income protection

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Make a claim

Call us on 0345 601 0072, email [email protected] or find out more

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Receive regular payout

If your claim’s approved, a monthly income will be paid into your bank account

*A deferred (or waiting) period is the period of time from when you were unable to work until the time that your benefit begins to be paid.

What our members say...

Julian’s income protection insurance details:

  • £2,000 per month Income Protection
  • guaranteed his earnings upfront. So, he didn't need to worry about proving his level of income before he claimed
  • his deferred period was 1 month, so his income protection covered two months income out of the three he was off work**

*Real claim with name changed for anonymity purposes
**You choose a deferred period on the plan.  This is how long you’ll need to be unable to work before we start to pay your claim.

What do I get with Vitality income protection?

Our income protection insurance includes:

Up to 20% extra on your payout

Boost your monthly payout for six months by looking after your health.1

Healthcare and support

Access a panel of support services to help your recovery when you claim. Includes physio, therapy and cancer support.

Guarantee your payments

We’ll automatically guarantee your benefit amount up to £1,500 per month. When you verify your earnings we will guarantee up to £8,000 a month.*

Choose your deferred period

We offer 7-day, 24 month and 60 month waiting periods. Your first payment will be made when the deferred period ends.

Flexible cover

Increase cover, waiting periods and payment periods when big life events happen.

Stay healthy with top rewards

Discounted gym memberships, spa breaks and weekly coffees.

*To guarantee your benefit amount for earnings between £1,500 and £8,000, you can verify how much you earn by giving us financial information within the first six months of the plan.

What's not covered with income protection insurance?

Like most insurers, our income protection insurance won't pay out if you're:

  • made redundant or dismissed
  • still getting paid sick pay
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How much is income protection insurance?

Your income protection premium depends on few things, like:

  1. Your age
  2. Your medical history and your family’s medical history
  3. Your job
  4. Your income level
  5. How much alcohol you drink
  6. Your choice of deferred or waiting period
  7. If you’re a smoker (or use other tobacco products)

You could also add on indexation. This allows you to increase your cover in line with inflation.

Our plan's designed to suit a range of occupations

Doctors looking at medical records

Doctors and surgeons

We guarantee benefit amounts of up to £3,000 without the need to submit proof of earnings.

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Parents on parental leave

If on parental leave, you'll still be classified as working when they make a claim. This prevents a lower payout at claim stage.

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Self-employed

Members don’t have to worry about a temporary drop in income. You’ll still get the full benefit when making a claim, when you verify your earnings upfront.

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Need some advice?

Our team are here to help you decide if income protection insurance is the right cover for you.

They'll give you qualified advice and recommendations. No obligation, no charge.

Call us on 0808 271 8355

Or

Request a callback

Call charge information

Calls to ‘03’ numbers cost no more than a national rate call to an 01 or 02 number, whether from a mobile or landline. If you get inclusive free calls to local rate numbers with your landline or mobile tariff, calls to ‘03’ numbers will be included.

Income protection insurance FAQs

Sources

  1. Payouts are boosted by up to 20% for the first 6 months of your claim. The booster amount is based on your Vitality status at point of claim.
  2. www.gov.uk/employment-support-allowance/what-youll-get, September 2024