How much can I insure?

Typically 50–70% of gross earnings. Benefits are usually paid free of income tax on personal policies.

What is a deferred period?

The wait between being unable to work and the first payment. Matching it to your employer sick pay (4, 13 or 26 weeks) keeps premiums down.

Yes, and it's often the single most valuable cover for the self-employed since there's no sick pay behind you.

Up to 70% of your salary if illness stops you working.

Statutory sick pay is £118.75 a week. Income protection tops that up with a monthly, tax-free benefit until you're well enough to return to work.

From £12 a monthSSP lasts a maximum of 28 weeks

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Date of birth

Postcode

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Rough monthly budget

Employment

Do you already have cover in place?

No credit check. No obligation. Your details go to one FCA-regulated adviser only.

Compared acrossAvivaThe ExeterRoyal LondonLV=VitalityShepherds Friendly

4.9/5 from 2,800+ households

Skip the wait. See a specialist in days, not months.

A tax-efficient lump sum for the people you leave behind.

A tax-free lump sum on diagnosis, not on death.