An income protection policy gives you a replacement income of up to 75% of your annual salary* – if you can't work due to illness or injury, and your sick pay has reduced to half pay or ceased altogether.

*Up to 75% less any other income to which you may be entitled e.g. half pay, Ill Health Early Retirement Pension, Temporary Rehabilitation Remuneration, State Illness or Invalidity Benefit. Please note, some plans have a lower benefit amount. You can submit an income protection claim when you have used up your employer’s sick leave entitlements and passed the scheme ‘deferred period’. Simply put, that’s the time that must pass before benefit is paid.

Some of our income protection insurance plans provide a lump sum of twice your annual salary in the event of your death. This can help pay bills, mortgage or funeral costs – providing relief at a difficult time.

Where this benefit is included in the plan you receive a once off lump sum if you are diagnosed with a specified illness listed in the policy.

You're entitled to income tax relief on your disability benefit premium.

Our helpful and friendly team will guide you through the process of an income protection claim.

Remember, we're not automatically notified if you’re absent from work due to illness or injury. If this happens, it's important to contact us as soon as you think your salary will be affected in order to claim income protection cover.

To be eligible to claim from income/salary protection, you must meet the definition of disablement as defined in the policy document. Other terms, conditions and exclusions apply.