Income protection insurance
✓ Safeguard your salary in case you get sick or injured and can't work
✓ 5 Star Defaqto rated income protection
✓ Get Apple Watch® with a qualifying plan.
What is income protection insurance?
If you get sick or injured and need to take extended time off work, income protection pays you part of your monthly income. It can pay out for a range of conditions including cancer and mental health issues.The payout is tax-free and can help you protect your finances while you recover. The money can cover anything, like bills, mortgage repayments, rent and childcare costs. Because you don’t pay tax on your monthly payments, it should replace most of your salary.
It's also called loss of income insurance, salary protection insurance or income insurance. They’re all the same thing.
Why choose an income protection plan with Vitality?
-
5 Star income protection
Our cover is verified as a trusted product.
-
Extra financial support
Get up to £2,000 towards specialist care and support to help you get better.
-
Mental health support
Access Togetherall, an online mental health support service.
-
Discounts and rewards
Get discounts on popular health and fitness brands and rewards for being active.
Do you need income protection insurance?
- You couldn't cover your outgoings if you didn’t have an income
- You couldn't pay your bills with Government benefits or you’re not eligible. The Employment and Support Allowance pays between £74.35 and £113.55 a week (turn2us.org.uk, 2021)
- You wouldn't get sick pay (for example if you’re self-employed)
- You're a single income household
- You’re the main income earner.
What does income protection insurance cover?
Our income insurance covers you if you:
✔Become disabled and can’t work
✔Need to take time out of work due to mental health issues.
Like most insurers, our income insurance won’t pay out if you’re:
✘Made redundant
✘Still getting paid sick pay.
How our income protection claims process works
It only takes two minutes.
Get a life insurance quoteCall us on 0161 974 2517. Our team are on hand to answer your queries.
Request a callbackIncome protection insurance FAQs
Helpful guides
-
Self-employed income protection
Self-employed? Find out how income protection could work for you and why you might need it.
-
Mortgage protection
Looking to protect your mortgage repayments? Read more about mortgage protection as an option.