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Income Protection Insurance

Keep your finances healthy as you recover from illness or injury.

Call us on 0161 216 7595

Defaqto 5-star rated cover

Our award-winning Income Protection Insurance pays you a monthly tax-free income until you're well enough to go back to work, which you can use to help pay your bills, mortgage or medical costs. Even if you can't go back to work, we'll pay you an income for the rest of your policy term.

When you suffer a serious illness or injury, the last thing you should worry about is how you’ll pay the bills while you’re off work. After all, what if your sick pay should run out while you’re still recovering? 

Five star Defaqto rating Income Protection Cover

Income Protection Insurance features

Here are just some of the benefits our Income Protection Insurance offers:
  • Award winning cover

    our Income Protection Insurance has been awarded five stars by Defaqto.

  • Receive fast payouts

    we start paying as early as seven days after you stop working.

  • Be covered until you make a full recovery

    we keep paying until you’re ready to go back to work.

  • Receive a back-to-work cash bonus

    to help ease your path back to full-time work, we’ll give you a cash bonus to help cover any extra costs.

  • Cover and rewards from £1.10 per day

    with our exclusive discounts and rewards, we'll help keep you healthy from day one, so you'll always get something back whether you claim or not. Premiums charged monthly. 

Limited time offer!

One month free cover

Our 5-star award-winning protection just got cheaper!

Join by 31 August and get your first month’s cover free with selected VitalityLife plans. 

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Get the best cover for your needs

Who would you like to protect?

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    Cover just for me

    Explore the best protection options for singles.

  • couple wading in beach

    Cover for me and my partner

    Explore the best protection options for couples.

  • woman riding bikes with kids

    Cover for me and my family

    Explore the best protection options for families.

  • friends smiling

    Cover for when I'm retired

    Explore the best protection options if you’re nearing retirement.

Income Protection Insurance frequently asked questions

Your questions answered.

Why do I need Income Protection Insurance?

It helps to make sure you don't fall behind with your monthly bills – like your mortgage – if you’re ever off work due to illness, injury or disability.

When should I get covered?

You can take out Income Protection Insurance anytime, but most people tend to think about taking out a plan when they’re changing jobs, getting married or starting a family.

Can I get Income Protection if I'm self-employed?

You can choose from any of our plans. But, to give you greater financial security, you can also choose to start receiving payouts from as early as seven days. For many conditions, we’ll also backdate the payment so you get paid for those seven days, too.

How much does Income Protection cost?

Your premium will depend on factors like your age, medical history, your occupation, alcohol consumption and whether you’re a smoker. 

Making the right choice

Explore our different insurance options to see which one’s right for you.
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Get our best savings and rewards

Exclusive discounts, savings and rewards.
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0161 2167 595

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Lines open:
8am - 8pm Monday to Friday
9am - 5pm Saturday and Sunday 

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