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Compare Income Protection Insurance Plans in UK

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What is income protection ?

Income protection insurance can be your financial guardian angel during unexpected illness. If you find yourself unable to work due to a health setback, this valuable policy steps in to provide a reassuring stream of income, ensuring that your essential expenses are covered while you focus on recovery.

It's as easy as 1-2-3

  • Tick Box PHI Tell us what you need
  • Tick Box PHI Compare your options & choose the best plan for you
  • Tick Box PHI All done! You'll receive your personalised policy

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Protect Your Income, Secure Your Peace of Mind

Common conditions that are covered include:

  • Accidents leading to disability
  • Critical illnesses such as cancer, heart disease, and stroke

Payments can be used for:

  • Mortgage or Rent
  • Household Bills
  • Family Living Expenses
  • Childcare Costs
  • Debt or Loan Payments
  • Leisure and Travel Expenses
  • Food and Other Essential Costs

Exclusions:

All insurers have exclusions, typically including:

  • Pre-Existing Conditions: No coverage for pre-existing illnesses or injuries.
  • Death: Alternative insurance is required for death benefits.
  • Unemployment: No coverage for job loss.
  • Redundancy: No protection against redundancy.
  • Self-Inflicted Injuries: Injuries from intentional self-harm are excluded.
  • Illnesses or Injuries Due to Substance Abuse: No coverage for illnesses or injuries arising from substance abuse.

Each insurer can have their own list of exclusions, so it’s best to get expert advice to talk through what is and isn’t included. It makes it far more simple and straightforward when you tell us about yourself. You can get started by answering a few questions above.

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Safeguard Your Family’s Financial Well-being

Protect your future and loved ones with our trusted intermediaries. We work with regulated professionals to provide independent and impartial advice on leading income protection providers.

We understand that unexpected events can impact your ability to earn, and that's why our partner’s offer policy tailored to your needs.

Why Choose Income Protection?

Income Protection Offers a variety of benefits:

  • Financial Resilience When You Need It Most
  • Replacing up to 70% of Monthly income When injured
  • Peace of mind & ensures your essential bills are covered while you recover.
  • Provides tailored Coverage for Personalized Safety net
  • Tax-free payments allow you to retain the full amount of living expenses
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Ready to Safeguard Your Finances?

Get a quote today and ensure your income is protected in times of need.

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Whichhealthinsurer.co.uk is a lead generation website operating under Push Group Ltd. We will introduce you to businesses who offer specialist advice for a fee to trusted intermediaries. Every company we work with is authorised and regulated by the Financial Conduct Authority (FCA). Whichhealthinsurer.co.uk is not authorised to give advice and we are not liable for any financial advice provided by, or obtained through a third party.

*Potential savings of up to 40% are calculated based on an analysis of 12 months of sales data for one of our partners, Usay Compare, through October 2024.

**This is the cost of cover starting at £26.19 per month for a 30-year-old individual, approximately £6.5 per week or 85p per day in March 2026. This example assumes a mid-level plan with a £200 excess and is based on someone living outside London.

⁺This is the cost of cover starting at £52 per month for a 50-year-old individual in March 2026. This example assumes a individual plan with a £200 excess and is based on someone living outside London.