Single or joint policy?
You may need a joint, or a single policy. Not sure what you need?...we can advise, and usually if it's a joint application, we would recommend individual policies.
Do you know what cover you need?
Life cover, income protection, critical illness cover, family income benefit and more - there's so much choice. If you know what cover you need, great; if not, we're here to help and advise.
How much cover do you need?
The amount you need depends on a number of factors such as your mortgage balance, any debts and a lump sum you may want to leave after these are factored in. Don’t worry – if you’re not sure we can advise you.
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Income protection insurance can provide an income if you’re unable to work through sickness or injury - covering your essential outgoings.
Read more about how income protection insurance works here
You’re more likely to be off work sick or with an injury than you are to pass away before retirement. Whilst you may receive sick pay from your employer, not everybody does and some people overestimate how much they get. Income protection can provide that financial safety net.
Income protection policies can be divided into two general types: short-term and long-term. A short-term policy, as its name implies, only gives you an income for a present limited time, such as six or 12 months. Long-term policies pay you for as long as the policy allows, which might be right through to your retirement or a longer set period, such as 40 years.
Of course. income protection insurance is available to self-employed, primary carers, part-time workers, contractors and more; our expert advisers can provide you with a tailored quote.
Even if you have some difficulty proving your income, there are plenty of options available.
Read more about income protection for self employed contractors here.
Like most insurance products, the cost of income protection differs from person to person. Monthly premiums will be calculated based on a number of factors including: your age, whether you smoke or have previously smoked, your lifestyle (such as whether you have any high-risk hobbies like extreme sports), your job and your health. It will also depend on how much cover you choose to take out, and the deferral period you decide on.
Income protection covers you for most illnesses that leave you unable to work: stress-related illnesses, back conditions, cancer or a serious heart condition. The focus is on not being able to work, as opposed to the illness or injury you’ve sustained.
You won’t be covered for pre-existing and chronic conditions that you knew about before taking out your policy, alcohol or drug misuse, criminal acts, cosmetic surgery or redundancy.
Read more about what does income protection cover here.
Terms & Conditions
LifeSearch compare quotes from all major UK insurers. Advice offered is free and all quotes given are without obligation. LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.
*Prices where indicated in adverts are based on the below criteria, as of 04/09/2024. Prices quoted may vary depending on your own individual circumstances including age, medical history, the sum assured, length of policy - and other variables.
Life Insurance from £3 per month:
25 year old, male client, non-smoker- level term assurance £100,000 over a 25 year term - £3.72 pm
Family Income Benefit from £5 per month:
30 year old female client, non-smoker- looking at £500 to be paid each month over a 18 year term - £5.00 pm
Critical Illness Cover from £5 per month:
25 year old male client, non-smoker- level term critical illness £20,000 over a 25 year term- £5.00 pm
Mortgage Protection Insurance from £5 per month:
30 year old female client, non-smoker- decreasing £150,000 over a 25 year term- £5.89 pm
Income Protection Insurance from £5 per month:
35 year old male client, non-smoker- admin assistant- 3 month deferment period- £1,000 to be paid out each month, for a maximum of 2 years per claim, covering up to the age of 65- £5.99 pm
Over 50s Insurance from £20 per month:
50 year old male client- non-smoker- over 50’s plan to pay out £6,267 for £20pm
60 year old male client- non-smoker- over 50’s plan to pay out £4,806 for £20pm