Benefits of our Income Protection Cover

Market leading range of benefits

We offer two types of cover: Primary and Comprehensive Cover that provide a market leading range of benefits and innovative features at a competitive price.

Guaranteed payment amount

If you're unable to work through illness or injury you can feel confident that you are protected because our cover comes with greater certainty that we'll pay out what we agree to. When you verify your salary at the application stage, we'll guarantee you receive the agreed amount when you claim.

Guaranteed protection if you're unable to work

You can also be certain that you'll receive your monthly benefit if you're unable to perform your own role due to ill health. Other insurers may not pay a benefit, and instead they would expect you to take an unsuitable alternative job that fits in with your situation.

Recovery Benefit

Our Recovery Benefit gives you access to up to £2,000 worth of specialist care and support to help aid your recovery and return to work through such things as specialist treatment, counsellors, support groups and training courses.

Exclusive Vitality programme

You get automatic membership to our unique Vitality programme with Lite Rewards which encourages you to lead a healthy lifestyle by giving you great discounts with our health and wellbeing partners.

The only insurer that can reward you with lower premiums each year

Look after your health with our Vitality programme and you could reduce your protection premiums each year, without reducing your cover.