1,964,154 Protected
4.9 out of 5
1,964,154 Protected
Continue without income protection & you can get life insurance quotes with optional critical illness cover & buy online. Just add a few more details.
If you want to buy all the cover you chose in one place, a friendly adviser can give you bespoke quotes & talk things through if you'd like some help.
If you want to buy income protection, critical illness cover, or both in one place - a friendly adviser can give you bespoke quotes for whatever you need & talk things through to get you started.
You can call us and you’ll be assigned an adviser to talk your needs fee-free. We’re here Monday - Friday 8am - 8pm and on weekends from 10am - 2pm.
You can call us and you'll be assigned an adviser to talk your needs fee-free. We're here Monday - Friday 8am - 8pm and on weekends from 10am - 2pm
{{question.questionSummary}}
{{question.guidance}}
{{question.guidance}}
{{question.questionSummary}}
{{question.guidance}}
{{question.guidance}}
{{question.questionSummary}}
{{question.guidance}}
The term is calculated up until the end of your mortgage. If this needs to be longer, please use the slider below to adjust the term. When deciding your term length, you may wish to consider any financial obligations you have, such as loans, credit cards and any other long-term financial repayment commitments or reliant dependants that exceed the length of your mortgage.
The term is calculated up until your age of retirement based on a retirement age of 66. If this needs to be longer, you can change your term below using the period of income protection cover slider below. When deciding your term length, you may wish to consider any financial obligations you have, such as loans, credit cards and any other long-term financial repayment commitments or reliant dependants that exceed your retirement age.
The term is calculated up until your dependants no longer need your financial support. If this needs to be longer, please use the slider below to adjust the term. When deciding your term length, you may wish to consider any financial obligations you have, such as loans, credit cards and any other long-term financial repayment commitments or reliant dependants that exceed the length of years that your dependants need your financial support.
{{question.guidance}}
You can still see your anticipated costs here to give you an idea, but when you talk to one of our experts they’ll be able to tell you what insurers are able to offer you. Just a quick conversation and then you choose what to do next.
{{question.questionSummary}}
{{question.guidance}}
{{question.guidance}}
Check that the information you entered is correct & fully covers everything you need.
If you are trying to leave a lump sum, really want a small payout, or just want to talk things through, one of our advisers can find quotes for the cover you chose - or talk about what type of cover is best for you.
Call us to speak to an expert adviser, who can help with any specific needs you may have. We're her Monday - Friday 8am - 8pm and on weekends from 10am - 2pm.
{{phoneNumber}}One of our advisers can find quotes for income protection and any other cover you chose all in one place - but any decisions will be down to you.
Call us to speak to an expert adviser, who can help with any specific needs you may have. We're here Monday - Friday 8am - 8pm and on weekends from 10am - 2pm.
{{phoneNumber}}If you focus on life insurance you can get real quotes and buy it online today - just complete the remaining questions without income protection.
One of our advisers can find quotes for the cover you want and explain why your needs are more complex - buy any decisions will be down to you.
Call us to speak to an expert adviser, who can help with any specific needs you may have. We're here Monday - Friday 8am - 8pm and on weekends from 10am - 2pm.
{{phoneNumber}}You can go back to the previous step in the calculator.
- {{levelOrDecreasingCoverValue }}, {{ combinedLifeAndCicBenefitAmount | currency }}, {{ getQuestionById('term-combined-refined') }} years
- {{levelOrDecreasingCoverValue }}, {{ lifeCoverBenefitAmount | currency }}, {{ lifeCoverTerm }} years
- Additional, {{ benefitCicPredicted | currency }}
Combined
- including any existing cover
It's horrible to think about. But if you die, your loved ones will miss your income and the security you provide. That's where life insurance helps. It pays a cash lump sum so those you leave behind have financial breathing room. The amount of the lump sum is up to you and will affect the cost of your premiums, as will your circumstances, health and lifestyle.
A lump sum payment to help you in a difficult situation. It's a scenario no one wants to think about. Apart from the emotional turmoil, a critical illness diagnosis will likely impact your finances and way of life. Your income might take a hit and you may have added expenses or need to make adaptations to your home. Critical Illness Cover pays a cash lump sum so you and your loved ones can better cope in an awful situation.
A monthly payment to cover your wages. If you're ever forced off work because of an illness or injury, Income Protection pays a high percentage of your wage for a specified period, dependent on your policy terms. Payments start whenever it makes sense: straight away (if you don't have sick pay, for example) or at a specified time (when your company sick pay ends, say).
{{ label }}
{{ getInlineScenario.content }}
{{label}}
Make sure you check insurer policy documents if you buy, but these are covered by most insurers. Over 80% of claims relate to the first three
| Cover | Joint Cover | Amount | {{isMobile ? "Est. Price" : "Estimated price"}} | |
|---|---|---|---|---|
| Combined Life and Critical Illness Cover | Life insurance | {{ getQuestionById('benefit-combined-refined') + getQuestionById('lump-sum') | currency }} | {{ lifeCoverBenefitAmount | currency }} | {{deathCover | currency }} |
Life Insurance pays a cash lump sum so those you leave behind have financial breathing room. This lump could be used to pay off your mortgage, cover rental, support dependants, or other loans/debts that you've told us about. * Prices quoted are indicative based upon what we know about you so far. Your actual price may change based on other factors such as your health and lifestyle. This calculator covers life insurance, critical illness, and income protection. You may be better suited for other protection products; if you wish to discuss these, call our advisers. * Prices quoted are indicative based upon what we know about you so far. Your actual price may change based on other factors such as your health and lifestyle. This calculator covers life insurance, critical illness, and income protection. You may be better suited for other protection products; if you wish to discuss these, call our advisers. You have different needs, so it may be more appropriate to have different policies to cover different needs. ** Estimations calculated from CPAG data – Child Poverty Action Group. https://cpag.org.uk |
||||
| Critical illness | {{benefitCicPredicted | currency}} | {{illnessCover | currency }} | ||
|
You told us that you want to ensure you have help financially if you were to get a serious illness that's not diagnosed as terminal. Critical Illness Cover pays a cash lump sum, if you’re diagnosed with a critical illness that is covered by your policy, so you and your loved ones can better cope in an awful situation.
* Prices quoted are indicative based upon what we know about you so far. Your actual price may change based on other factors such as your health and lifestyle. Not all protection products available on the market are offered by this tool. |
||||
| My income protection | {{ipBenefitAmountFirstLife | currency }} per month | {{incomeCoverFirstLife | currency }} | ||
| My partner's income protection | {{ipBenefitAmountSecondLife | currency }} per month | {{incomeCoverSecondLife | currency }} | ||
|
You have an income and want to ensure you have cover to protect some of your income if you were too sick or injured to work. Income Protection pays a percentage of your income for a specified period depending on your policy terms. Payments can start straight away (if you don't have sick pay, for example) or at a specified time (when your company sick pay ends, say) depending on the insurer selected.
* Prices quoted are indicative based upon what we know about you so far. Your actual price may change based on other factors such as your health and lifestyle. Not all protection products available on the market are offered by this tool. |
||||
| Monthly payment | {{totalPremium | currency}} | |||
Fallback body
{{visibleScenario.content}}
If you select dependants, we will assume you want an additional payout amount to support your dependants for a specified period.
If you select dependants, we will assume you want an additional payout amount to support your dependants for a specified period.
