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Income protection insurance

If you couldn't work due to a serious illness, how would you manage?

Could you survive on savings, or on your sick pay from work?

What is income protection insurance?

Income protection insurance (which used to be known as permanent health insurance or long-term disability insurance) is a long-term insurance policy designed to support you if you can't work because you’re ill or injured.

  • It replaces part of your income if you can’t work for a while because you’re ill or disabled.
  • It pays out until you can start working again or until you retire or the end of the policy term whichever is sooner.
  • There’s a waiting period before the payments start. You generally set payments to start after your sick pay ends, or after any other insurance stops covering you. The longer you wait, the lower the premiums.

Fluent work with leading UK providers to bring you great, affordable protection.

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