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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?

You never know when you might have to take time off work. But you can put the right cover in place, just in case.

If you get sick or injured and can't work, income protection insurance can:

  • pay you part of your monthly income
  • pays out if you need to take time off work for an illness or if you’ve been injured
  • support your recovery and get you back to work sooner


Protect your income and lifestyle when you need it most

The payout is tax-free and can help you protect your finances while you recover. The money can cover anything, like:

  • bills
  • mortgage or rent
  • childcare costs

Because you won’t pay tax on your monthly payments, it can replace most of your salary, depending on what cover you choose.


How much does income protection insurance cost?

Your 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. Let’s explain.

What do I get with Vitality income protection?

Protect your lifestyle and income if you need it.

Up to 20% extra on your payout

Boost your monthly payout for up to 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.

Flexible cover

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

Discounts and rewards

Earn great rewards and boost your payout when you stay healthy.

Is anything not covered?

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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Need some advice?

Our team are here to help you decide if this is the right cover for you.

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

Call us on 0808 271 8355


Request a callback

How to make a claim on income protection

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Make a claim

Call us on 0345 601 0072, email or find out more.


We'll assess the claim

Our team will keep you updated on the progress of your claim.

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

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 FAQs


  1. Boosts are linked to your Vitality status at point of claim
  2., 2021