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Income Protection Plans

An income protection plan is designed to replace part of your income if you cannot work because of accident, sickness or unemployment. ActiveQuote's comparison system allows you to compare income protection plans from a range of insurers in less than two minutes, to help you find an affordable policy- you can even buy one of your chosen income protection policies online.

What is an income protection plan?

Income protection plans are chosen by people who are looking for peace of mind against accident, sickness and unemployment. By paying a monthly premium, your income protection cover policy will pay you part of your monthly salary if you are unable to work because of an illness, injury or redundancy.

How much could an income protection policy pay out?

Income protection insurance policies will usually cover up to 70% of your income to a certain maximum limit. This maximum limit will depend on your insurer. The more of your income you choose to cover, the more expensive your income protection cover plan is likely to be.

How long will an income protection cover plan pay out for?

Insurers often define income protection plans as short term or long term. A short term policy will only pay out for a maximum of 12 months, even if you are unable to return to work after this period of time.

A long term plan is able to pay out until the end of the policy term, which is usually retirement age. Long term income protection insurance policies only cover accident and sickness- unemployment cover has to be purchased separately. Long term income protection plans are usually flexible, and you can choose your own benefit period.

Short term income protection policies are not always more affordable- it is worth comparing a range of quotes online to find one that suits your circumstances.

How much do income protection plans cost?

The cost of an income protection insurance policy will vary depending on a variety of factors including your own personal circumstances. Your age, state of health, smoker status and employment status will all have an effect on the premiums.

If you want to lower the cost of your income protection plan there are a few changes you can make reduce the premiums:

  • Increase your waiting period: The waiting period is the time between you being unable to work and your income protection plan actually starting to pay you your benefits. Insurers usually offer a range of waiting periods to choose from. The longer the waiting period, the lower your premiums.
  • Lower the benefit period: An income protection plan that pays out until retirement will cost more than a policy that pays out for five years.
  • Cover less of your income: This will significantly lower your premiums.
  • Stop smoking: To be considered a non-smoker you have to have gone tobacco free for a minimum of 12 months, but this will significantly lower your premiums.

Where do I find the best income protection policies?

Comparing income protection plans is the best way to find an affordable policy within your budget. Since there are many insurers in the UK offering income protection cover, it is easier to view the whole market rather than visit each one direct. Luckily, ActiveQuote offers you over 25 income protection policies to compare online, helping you to find one that suits you.

Income Protection Insurance Plans | Income Protection | ActiveQuoteThe Best Income Protection Plans from the leading UK Insurers. Compare up to 25 quotes from Aviva, LG and Ageas.    tweet it on twittershare with your friends on Facebookshare with your friends on MySpaceBlog it on your LinkedIn profile

No.1 income protection broker as rated by customers

Proactive, efficient, and offered me insurance I need. I would say half price I would end up paying if I did it by myself. Many thanks.

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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.

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