Income protection insurance
What is income protection insurance?
If you get sick or injured and can't work, income protection pays you part of your monthly income. It's tax-free and helps you protect your finances while you recover.
There are three income protection cover options with Vitality. With our Income Protection Cover Plus, you can protect:✔60% of your salary before tax per month, up to a payment of £5,000 per month
✔And then 50% after this, capped at a payment of £16,666 per month.
Because it’s tax-free, this should replace most of your salary.
How much income protection cover do you need?
Call us on 0161 216 7595 to speak to an adviser, or get a quote
Do I need income protection insurance?
- You couldn't cover your outgoings if you get sick
- You couldn't pay your bills with government benefits (the Employment and Support Allowance pays between £74.35 and £113.551 a week)
- You wouldn't get sick pay
- You're a single income household
- You’re the main income earner.
What does income protection insurance cover?
What it covers:
✔Being unable to work due to illness or injury, whether your self-employed or employed
✔If you have an accident, become disabled and cannot work
What it doesn't cover:
✘ If you're dismissed or made redundant
Your income protection insurance options
For different needs and budgets, we offer three tiers of income protection.
-
Short Term
Income Protection CoverGet 60% of your salary, up to a payment of £5,000 a month
50% after that, capped at
£10,000 per month
Get payments for up to
two years per claim. -
Income Protection Cover
Get 60% of your salary, up to a payment of £5,000 a month
50% after that, capped at
£10,000 per month
Get payments as long
as your plan lasts. -
Income Protection Cover Plus
Get 60% of your salary, up to a payment of £5,000 a month
50% after that, capped at
£16,666 per month
Get payments as long
as your plan lasts.
Why choose Vitality?
✓ Access to partners and rewards with the Vitality Programme
✓ 5-star Defaqto rated cover
✓ Get £100 per day if you're hospitalised for more than 6 days
✓ Get £2,000 worth of specialist care and support - to help with your recovery and return to work. Available on Income Protection Cover Plus plans.

All it takes is a couple of minutes.
Get a quoteCall us on 01619742513 to speak to an adviser.
Call me backIncome protection insurance FAQs
More insurance options from Vitality
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Life insurance
Life insurance pays out a lump sum to your loved ones if die within the policy term. It’s there for your family when you are no longer around, to help ensure their financial security.
-
Serious Illness Cover
Like income protection, Serious Illness Cover also offers protection if you get sick. Instead it pays out a lump sum based on the severity of the illness, rather than a monthly income.
-
Mortgage protection
Instead of covering your monthly income, mortgage protection covers your mortgage repayments. This means your family can keep their home if you die.
1 turn2us.org.uk. Employment and Support Allowance (ESA) - How much Employment and Support Allowance (ESA) will I get?
2 Claims and benefits report June 2020