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Personal Protection

Income Protection

Shared value powered protection that rewards your clients for being healthy - and supports them when they're not.


Guarantee your clients' payout

And boost it by up to 20%, when they look after their health.

No-one can predict when they might get an injury, disability or illness. However, you can help your client's prepare with the right cover should they need it.

Tailored to a range of occupations and offering increased flexibility, our improved and streamlined Income Protection plan gives your clients extra certainty by guaranteeing their earnings.


Introducing our 2024 Claims and Benefits Report

Our results demonstrate how our products cater to modern risks, provide immediate value and engage members, creating a new category of insurance. As we continue to enhance and protect lives, discover how we supported our members throughout 2023.

Join us in our upcoming CPD-accredited webinar, where we'll explore the latest report in more detail, alongside our panel of industry experts.

Top reasons to recommend

1. Guarantee their payout: Lock in your client’s earnings up to £8,000 a month from day one
2. Up to 20% extra on top of their monthly payout: Offer more with Income Boost. The more your clients look after their health, the bigger their payout for up to six months.
3. Access to our healthcare network: With our Recovery Benefit, we can help their recovery with physio, therapy and cancer support
4. Flexible, best-in-class cover: Peace of mind for your clients knowing they have a trusted Defaqto 5-Star plan, with added flexibility from Guaranteed Insurability Options.

How it works

Income Protection toolkit

Quick access to everything you need to support your client conversations.


Dual Deferred Period Calculator

Employer’s sick pay schemes will not always meet the needs of their employee’s lifestyle. Income protection can help bridge that gap.

Our simple Dual Deferred Period Calculator enables you to work out the maximum benefit amount that you’re able to select based on your client’s sick pay scheme.

Income Protection Cover with Vitality

With Vitality’s Income Protection cover, your clients could get a tax-free payout to help cover anything from their bills, mortgage, rent or childcare costs, should they fall ill or injure themselves leaving them unable to work.

We're here to help

Your Business Consultant is always ready to support you.


Adviser Hub

Quote, apply and manage your clients online.


Get in touch

Call us on 0345 601 0072. Lines open Monday - Friday 8.30am - 6pm


New to Vitality?

Let’s help you to realise your business potential.

1 Eligible claimants only. Claimants must be making a cancer, musculoskeletal or mental health claim. Access provided by claims assessor.
2 Available from notification of claim and with no limit on the appropriate level of support, the new benefits target the top three conditions which account for 70% of all Income Protection claims. Based on VitalityLife's 2021 claim statistics.
3 Cover for complications of pregnancy and Dementia and FrailCare Cover has been removed for children.
4 VitalityLife experience analysis, rolling lapse rates between Oct 2020 - September 2021. VitalityLife Claims and Benefits Report, 2022.