What's your back-up plan?

If you were unable to work due to illness or injury, the most important thing at any stage is your recovery. Forcing yourself back into work too soon could do you more harm than good and financial worries a further burden to bear. After all, our financial commitments do not go on hold. Protecting your income in the event of illness or injury could remove potential financial worries, leaving you to concentrate on your recovery knowing that the bills can be paid on time.

Why have income protection, when you can have Income Protection PLUS?

We offer a tailored plan that pays you a regular income for an affordable cost for as long as you need it, should you find yourself unable to work due to illness or injury. What's more your plan includes a unique Profit Share scheme that pays out at the maturity of your policy, mirroring that of an investment plan. I want to know more about Profit Share.

In the last three years we have paid out 97% of all new claims with total claim payments of more than £2.55m.

Ensuring your lifestyle is not disrupted

Cover can start from the first day you are incapacitated and lasts until you recover or until you reach the age of 65 – whichever comes sooner.

No penalties for claims

We do not penalise you for making a claim, and there are no restrictions on the number of claims you can make. Your claim will be paid until you recover or reach age 65.

Cover to suit you

You can review your plan with us at any time, to ensure you have the right amount of cover to suit your personal circumstances.

Take a break

If you would like to take a career break, you are able to suspend cover for up to two years and then resume at the original level without re-applying.

Investing in your future

The plan comes with Profit Share, which pays out at maturity of your policy.

Enhanced Loyalty Bonus*

Aims to provide your loved ones with a minimum capital sum of £10,000 as well as six months of your income cover in the event of your death.

A 24/7 app-based GP Service and Telephone Counselling and Helpline Service**

Put healthcare in the palm of your hand with instant access to a GP – anytime, anywhere. A confidential counselling service is also available whenever you feel the need to talk.

Income protection cover is more affordable than you think. Visit our Quick Quote to see how little it would cost you to protect your income today. Having cover in place could eliminate any unnecessary worry, leaving you to concentrate on your recovery with the added bonus of investing in your financial future.

*This applies to existing members as well. Terms and conditions apply. **This service is currently free of charge with your membership.

For more information, visit our website (link) or call us on 0800 146 307.

Protecting your income in the event of illness or injury could remove potential financial worries.

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  • 11 Parkway,
  • Porters Wood,
  • St Albans,
  • Hertfordshire,
  • AL3 6PA