Income Protection
No-one can predict when they might get an injury, disability or illness. But you can help your clients prepare with our Income Protection cover - should they need it.
Flexible, best-in-class cover
Tailored to a range of occupations, our cover fits the needs of your clients, today and in the future
Keep your clients' finances in the black
To give your clients certainty at point of claim, we automatically guarantee your clients benefit amount up to £1,500 per month.
But we go a step further with our market-leading Earnings Guarantee. When your client verifies their earnings in the first six months, of their plan, we'll lock in their monthly benefit up to an unrivalled £8,000 per month, regardless of any change in salary at their time of claim.
Get your clients' health back in the pink
We know there's more to a claim than just paying out. That's why we give clients access to our private healthcare network - to support their return to work.
We've expanded our pathways to cater for the four most common claims made with our Income Protection Cover. Now, your clients will have access to:
• Musculoskeletal - Access to a network of physios across the UK
• Mental health – Access to counselling and CBT, in person or online
• Cancer - Access to a digital, personalised 8-week cancer support programme
• Neurological physio – Access to tailored neurological rehabilitation.
It's all available to your clients, from the moment they claim. And there’s no limit to the level of support they can access.
Value first protection for every dream home
With mortgage borrowing at its strongest level in months*, now is the ideal time to bring protection into every mortgage conversation.
We’re helping to add even more value to your client conversations with a limited-time offer!
Until 31 March 2026, your clients can receive up to a £100 John Lewis & Partners E-Gift Card when they take out a qualifying personal protection plan in connection to a mortgage. A simple way to add extra value with your clients.
Qualifying plans, minimum premiums, terms and conditions apply.
How our cover will benefit your clients
Guarantee their payout
Lock in your client's earnings up to £8,000 per month, from day one, with our unrivalled Earnings Guarantee2
Boosted monthly payments
We'll increase monthly payments up to 20% for the first six months, based on your client's Vitality Status pre-claim
Access private healthcare
We support your client’s recovery journey from notification of claim, with physiotherapy, mental health, neurological and cancer support
More then just cover
Clients can benefit from their plan straight away through the Vitality Programme. They'll get discounted spa breaks, weekly coffees and gym membership
Helping you understand our Income Protection cover
Included in your client's cover
- Earnings Guarantee
We'll guarantee your client's benefit amount up to £1,500 per month. If your client verified their earnings within the first six months, we'll guarantee that amount up to an un-rivalled £8,000 per month. - Income Booster
Engaging in the Vitality Programme reduces the likelihood of Income Protection claims. So we'll pay out up to 20% extra for the first six months on top of their monthly payment, when your clients' look after their health. The amount will be based on your clients' Vitality Status pre-claim. - Recovery Benefit
This benefit gives your client access to private health treatment at the point of claim. It's there to support their rehabilitation and return to work3. It includes access to physiotherapy, counselling and Cognitive Behavioural Therapy (CBT) and a 12-week health optimisation programme for people recovering from cancer1. From March 2025, neurological physiotherapy will be available to support recovery from strokes and other neurological conditions.
Additional cover and options
Enhance your client's plan with more protection:
Child Serious Illness Cover
Your clients can add our market-leading Child Serious Illness Cover to a Personal Protection Plan, alongside Income Protection Cover4. It pays out a cash lump sum if any of your client’s children suffer a serious illness.
More on Child Serious Illness Cover
Accident and Fracture cover
When your client adds our new Accident and Fracture Cover, they can benefit from market-leading payouts for fractures6, and unique cover for accidents and emergency surgery*. Plus, they can access physio to support their recovery**.
Indexation
Future-proof your clients' cover, so that when they need to claim, it's worth as much as it is today - protecting their cover against inflation.
Waiver of Premium
If your client is unable to work due to illness or injury, they won't have to pay their income protection premium for that period, but they'll still be covered.
Get your clients the best available premium
Your clients can enjoy our best available premium, which is 30% lower than standard, when they add Optimiser to their Income Protection plan, and look after their health.
Clients with Optimiser were up to 46% less likely to make a Life Insurance claim, and 59% more likely to lapse than those without Optimiser5.
Optimiser also gives your clients access to the Vitality Programme. Meaning we can help your clients understand their health. And make it cheaper, and easier, to get healthy discounts, rewards and cashback.
Here's a real story from a claimant
In January 2024, William*, a self-employed personal trainer, began experiencing persistent headaches, neck pain, and nausea.
After undergoing scans, he was diagnosed with a rare and unclassified brain tumour before undergoing surgery in early February, followed by six-and-a-half weeks of craniospinal radiotherapy.
Thankfully, William had taken out a VitalityLife plan in 2020, which included Income Protection Cover. This meant he could claim for his time off work. After his deferred period, he began receiving monthly payments of £1,140. These payments helped support him and his young family – his fiancée Jessica and their 10-month-old daughter – while he focused on recovery.
William is now recovering well and hopes to return to work gradually, starting with a few clients per week. Vitality has also referred him for vocational support to help ease his transition back to work.
Without Income Protection Cover, William and his family would have faced significant financial strain during his treatment and recovery. Through our Earnings Guarantee, he received his full benefit amount even when his recent income had dipped due to reduced client work after becoming a father.
*Real name and some details have been changed to protect anonymity. Image is for illustrative purposes only.
Full claimant stories can be found in our VitalityLife Claims and Shared Value Report 2025
Income Protection toolkit
Quick access to everything you need to support your client conversations.
Personal Protection brochure
Income Protection sales aid
Income Protection explainer video
Income Protection email template
Dual Deferred Period calculator
Four ways Income Protection can flex to the changing needs of clients
Dynamic protection for public sector employees
We provide tailored cover for public sector employees who work for the NHS, Local UK Councils or are public sector teachers.
Based on their occupation and length of service, our public sector employee benefit has been designed to work with their deferred period - matching their current employer's sick scheme.
Where to next?
We're here to help
Your Business Consultant is always ready to support you.
1 Available from notification of claim and with no limit on the appropriate level of support. Over three quarters of claims for Income Protection (77%), were for illnesses covered by our enhanced Recovery Benefit. Based on VitalityLife's Claims and Shared Value Report, 2025
2 Defaqto, 2024
3 Eligible claimants only. Claimants must be making a cancer, musculoskeletal or mental health claim. Access provided by claims assessor.
4 Cover for complications of pregnancy and Dementia and FrailCare Cover has been removed for children.
5 VitalityLife experience analysis, rolling lapse rates between Oct 2020 - September 2021. VitalityLife Claims and Benefits Report, 2022.
6Based on Vitality Competitor Analysis, 2025. *Payable after an accident or emergency surgery requiring hospital admission of over 48 hours. Hospital admission must be through an Accident and Emergency department or Urgent Care. **Up to six physio sessions available per valid claim.