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Income protection insurance


Safeguard your salary with 5-star Defaqto rated cover.



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What is income protection insurance?

If you get sick and can't work, income protection insurance 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 Comprehensive Cover, 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.

Do I need income protection insurance?

You should consider income protection insurance if:
  • 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 stressed and can't work
 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 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 for up to
    two years per claim

  • Primary 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

  • Comprehensive income protection cover

    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

Cover update

You'll need to be sick for at least 3 months before we will pay any benefit. Please visit our Coronavirus FAQs for more information.

Why choose Vitality?

✓ 96.4% of income protection claims were paid out in 20192 
✓ 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 Comprehensive Cover plans.
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Vitality's income protection cover is rated 5-star Defaqto

More insurance options from Vitality

  • 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.

Income protection insurance FAQs

No, the income you receive is tax-free. This means you should be able to cover most of your monthly outgoings.
You usually have to wait at least four weeks but payments can start up to two years after you stop work.
Income protection policies don't cover this.
Income protection doesn’t cover:
  • If you’re sick less than your policy’s deferred or waiting period
  • If you cannot work because of stress
  • If you’re made redundant or are dismissed
If you can't work due to illness or injury, long-term income protection pays you a monthly income. If you can't work, it pays out until retirement age. It's also known as long-term sickness insurance.
Short-term income protection insurance covers you for a fixed amount of time if you’re sick and can’t work. This is usually six months to two years.
Income protection pays out a monthly income to replace yours if you're injured or sick, and can't work. It's support for both you and your family.

Life insurance pays out when you die, or if you're diagnosed with a terminal illness.
It depends on how much you need to maintain your current lifestyle and what your outgoings are.

Even if you do qualify for government benefits, you might only get between £74.35 and £113.551 per week. Could you and your family survive on this level of support?

For more information on the Employment and Support Allowance, visit gov.uk.
You can take out income protection insurance at anytime. A lot of people think about taking out a plan when they’re changing jobs, getting married or starting a family.
With most policies you usually have to wait at least three months after you stop work for payments to start. This is called the deferred period, or waiting period. Some deferred periods last up to two years.

You have a choice of deferred periods. This is usually done to match sick pay and the longer the deferred period the more affordable the premium is. For example, if you have six months of sick pay, then you would set your deferred period to six months.
Yes, if you’re self-employed, you can choose from any of our plans. You can also choose to start receiving pay outs from as early as seven days.
The plan only pays out if you're unable to work due to accident or sickness during the term of your plan. Once your policy has reached its end date, your cover stops.
Sources

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