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 that just paying out. That's why we give clients access to our private healthcare network - to support their return to work.
Available from the moment they claim, and with no limit to the level of support. The healthcare network has three pathways, focusing on the top three claim conditions. Which account 64% of all Income Protection claims1. These include:
- Access to the priority physiotherapy network
- Counselling or Cognitive Behavioural Therapy (CBT)
- Cancer Treatment Support Programme
How it'll 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 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.
Additional cover and options
Enhance your client's plan with more protection:
Child Serious Illness Cover
Your client can add our market-leading Child Serious Illness Cover to any of our Income Protection plans4. It pays out a cash lump sum if any of your client's children suffer a serious illness.
More on Child Serious Illness Cover
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 some real stories from our claimants
Whilst driving to work, a van went into the back of Vanessa's* car, leaving her with traumatic injuries
Such were the extent of Vanessa's injuries - multiple fractures and a bleed on the brain - that the 59-year-old GP was forced to medically retire from work.
Vanessa's Income Protection plan, which had been in place for over nine years, had been set up to align with her NHS sick-pay.
She received full sick pay from work for six months, followed by a further six months of half-pay, with her Vitality plan paying a proportionate benefit for this period. Once her sick pay finished, the Income Protection benefit was paid in full and remains in claim today, paying out over £5,000 per month.
Simon* was self-employed when he was rushed into hospital in 2015 after suffering a stroke
The stroke left Simon physically weakened and experiencing short-term memory loss, tiredness and headaches. He also suffered from anxiety and low mood, all of which meant he had to stop working.
Simon's Vitality Income Protection plan had been in place for five years, and the cover meant he was able to make a claim, which was paid out in full.
After a year, Simon's condition improved and he was gradually able to return to work, but in a new role and on a lower salary. His Income Protection payments reduced to a proportionate benefit, to top up his earnings, until he was back in full-time work.
*Names have been changes to protect anonymity.
Full claimant stories can be found in our 2024 Life Claims and Benefits Report.
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.
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.