Income Protection
Cover

Defaqto 5* rated cover

What is Income Protection Insurance?

Taking out Income Protection Insurance means you'll be paid a monthly, tax-free income if you are signed off by your doctor as being unable to work due to illness or injury.

You would continue to receive monthly payments until you were able to go back to work, these payments can be vital to ensure you keep up with bills, mortgage repayments, rent or childcare costs.

Even if you can't go back to work, we'll still pay you an income for the rest of your plan term so you can rest assured that you are fully protected.

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Do I need Income Protection Insurance?

According to Which (2019), Income Protection Insurance is the one personal protection product every working adult should consider.

90% of Income Protection claims for Vitality members in 2018 were for members under the age of 50, highlighting the importance of this cover for all ages.

Most people rely on their salary to keep on top of monthly expenses, without this salary you can be left in a difficult situation when having to cover rent, mortgage repayments or bills.

Income Protection Insurance ensures you receive a monthly income for as long as you need to recover so even if you have to be off work for a prolonged period, you can protect your finances.

Income Protection Cover benefits

✓ 97.8% of Income Protection Cover claims paid out in 2018

✓ Our Income Protection Insurance has been awarded 5-stars by independent review platform Defaqto

✓ You will continue to receive a monthly income until you are ready to go back to work

✓You’ll receive £100 per day if you are hospitalised for over 6 consecutive days (capped at 90 days in total)*

✓ With our recover benefit, you could receive up to £2,000 worth of specialist care and support to help with your recovery and return to work*

*Available on Comprehensive cover plans

Cover update

The minimum deferred period (the length of time an insured person must be ill or disabled before we will pay any benefit) currently available is three months. Please visit our Coronavirus FAQs page to stay up-to-date with the latest information for life insurance products.

Why choose us?

Benefit from award winning Income Protection Insurance which rewards you for being healthy

A brand you can trust

In 2018 we paid out £421,803 in Income Protection claims¹
Discounts and rewards

Over £81 million given in Vitality benefits and rewards in 2018²
Improve your health

Lower incidence of Life Cover claims in actively engaged members³
Free no-obligation advice

Our advisers are highly trained and offer free, expert advice

Cover options

Below are some of our other cover options that we offer. You can tailor your plan so it best suits your needs, including Income Protection Cover alone or you can add any of the additional options below.

Life Cover

Your family or dependants would receive a one off lump sum if you were to die during the term which could be used to cover mortgage repayments, funeral costs or education fees.
Learn more

Serious Illness Cover

Like Income Protection Cover, Serious Illness Cover also offers protection against serious illness but pays out a lump sum based on the severity of the illness rather than a monthly income.

This is designed to cover you for the costs associated with having a critical illness such as care, medical cover or to help cover payments while you recover.

In comparison to a typical Critical Illness plan:

We cover over 182 conditions which is more than any other insurer. The average number of conditions on a critical illness policy is 75 (Defaqto, 2019)
Vitality covers all heart attacks, all strokes, and more cancers than any other insurer (Defaqto, 2019)
Our world-first Dementia and FrailCare Cover is included at no extra upfront cost
We pay out based on how severe your condition is meaning that you could receive a payout at an earlier stage of your illness
7% of Serious Illness Cover claims paid in 2018 were for conditions unique to Vitality

Learn more

How much will I receive?

Up to 60% of your gross salary will be protected for the first £5,000 per month and 50% thereafter. The maximum income you could receive will be tax-free so should equal the majority of your salary, especially when you consider savings in other costs such as travel.

When should I get covered?

Most people tend to think about taking out a plan when they’re changing jobs, getting married or starting a family. It's sensible to consider Income Protection Insurance as soon as you start full-time work to ensure your finances are protected.

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.

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. Complete a quote to receive an estimate on your monthly premiums.

More FAQs

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Speak to a VitalityLife adviser for tailored advice.
Lines open:
Monday to Thursday 9am-6pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed

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Important information

¹The percentage of claims accepted for Income Protection Cover in 2018 was 97.8% and the total amount paid was £421,803
²With VitalityLife's Optimisers which are available at an additional monthly cost of £1.75 for Select or £4.50 for full. Source: Vitality internal data, May 2019. Rewards, benefits and engagement in 2018 are based on VitalityLife and VitalityHealth members.
³According to Vitality internal data (2018), over the past five years members who engaged in the Vitality Healthy Living Programme had a significantly lower incidence of Life Cover claims across all age groups when compared to those who did not engage.

Income Protection Cover