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Income protection insurance

Protect your income against accident, sickness and involuntary redundancy and receive a monthly benefit if you are unable to work.

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Redundancy insurance

Receive a tax-free monthly benefit if you are made redundant involuntarily. Protect up to 65% of your gross income with a benefit paid for up to 12 months.

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Accident & sickness insurance

Safeguard your income if you are unable to work due to illness or injury with policies designed to cover you right up to retirement age.

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Mortgage protection insurance

Protect your family home if you are unable to work with an income protection policy designed to cover your mortgage payments and associated costs.

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Income protection insurance

Income protection can replace your salary if you are not able to work due to an accident or illness. It can also provide cover for involuntary redundancy. People may take out income protection to cover:

  • Mortgage repayments.
  • Loan repayments.
  • Utility bills.
  • Food shopping.

Why do I need income protection?

Income protection could be the most important type of insurance you buy. It can provide support if you cannot work and without it, many people would have to use their savings or rely on state benefits.

Did you know that:

  • Half the population has under £4,300 in savings?
  • The average cost of raising a child to age 11 is £85,000?
  • Over 300,000 people leave work due to ill health each year?
  • Around 1,300 people are made redundant in the UK every day?

Income insurance can protect your income if:

  • An accident stops you from working.
  • An illness causes you to take time off work.
  • You are made redundant involuntarily.

Income cover can provide you with a tax-free monthly sum of up to 65% of your gross salary. In 2013, insurers paid out on 91.1% of all claims made.

What types of income protection are available?

Long-term income protection

Long-term cover can pay a tax-free income if you are not able to work due to an illness or accident. Cover can last until you are able to return to work or until you retire.

Short-term income protection

Short-term cover can protect you for up to 12 months. You can cover yourself against accident, sickness and involuntary redundancy. If you make a successful claim it will pay you a monthly tax-free sum to help with your living costs.

Compare income protection insurance with ActiveQuote

ActiveQuote is one of the leading comparison sites in the UK and we also partner Confused.com, Gocompare and uSwitch.

We compare income protection insurance quotes from the UK’s leading insurers. Our panel includes:

  • Aegon
  • Aviva
  • Bright Grey
  • Legal & General
  • LV=
  • Scottish Provident
  • VitalityLife
  • Zurich

No.1 income protection broker as rated by customers

Excellent service. Explained everything in detail and really helped to find the right insurance best suited to my needs - which wasn't necessarily the most expensive. 

Review centre member

Good value and the advisor was very helpful and recommended the best policy for my grandson. I would definitely use this service again and recommend to others.

Review centre member

We were contacted in good time to make a knowledgable choice. We were given plenty of options with lots of information to enable us to make the right choice.

Review centre member

The service I received was excellent, the staff member was very efficient and knowledgable. She went out of her way to get the best policy for me.

Review centre member

Great service. I really appreciated the help provided by Active Quote to arrange health insurance. The agent was very informative and proactive. Many thanks!

Review centre member

I received excellent care and attention from the first phone call till the last. Friendly, efficient and patient.

Review centre member

Staff are very helpful, friendly and polite. They call back when they say they will and keep you up to date with progress. Pleasure to deal with.

Review centre member

Very polite and friendly, and gave detailed explanations of all aspects of the cover. Reassuring to know that if you do have a problem there is someone you can contact.

Review centre member

Friendly and efficient. Nothing was too much trouble even when i needed to make a small change, excellent service.

Review centre member

The advisor was incredibly helpful and fully explained the differences between the policies. I really liked the fact that I was put under no pressure.

Review centre member

Sign up to special offers

Sign-up for our FREE email newsletter to receive the latest offers tailored to your needs:

 Monthly price based on non-smoking 24-year-old male, £833 benefit for Accident and Sickness cover for ten years, postcode CF10 5FL. Price accurate as of 04/04/14.

 

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