Income Protection Insurance

Income protection is a form of insurance that covers part of your income – usually up to 70% of your earnings - if you’re unable to work because of illness or disability.

It gives you the invaluable peace of mind that your income is covered should anything unexpected happen.

You can use it to cover your mortgage or rent, pay your bills, and put food on the table.

We offer a form of short-term income protection called the Lifestyle Protector Plan.

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How does income protection insurance work?

Income protection insurance pays you a regular income if you can’t work due to sickness or disability. The amount is tax-free, and usually based on a percentage of your earnings.

You can make a claim as soon as your chosen deferred period (also known as waiting period) has passed. A deferred period is the period of time you have to be off work before you’re eligible to make a claim. You can typically choose a deferred period of between 14 days and 12 months.

Some policies pay you ‘back-to-day-one’, which means your payments are backdated to the day you stopped working.

People generally arrange for payments to start after their sick pay finishes, or any other forms of insurance or cover ends so they’re not left without a source of income.

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How much does income protection insurance cost?

There are a number of factors which can affect the cost of your income protection policy. These include:

  • Your age
  • The deferred/waiting and benefit period you choose
  • The amount of cover you choose (see below)
  • Whether you’re a smoker, or have smoked in the past
  • Your health (including the current state of your health, your weight, and your family medical history)
  • Your job – some professions carry more risks than others which could increase your premiums

The amount of cover you need will depend on various factors, such as:

  • Your regular outgoings/bills
  • Your salary/monthly pay
  • Your mortgage or rent
  • Your childcare costs if applicable
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What Does Income Protection Insurance Cover?

Although income protection covers most illnesses that leave you unable to work, it’s important you check the policy beforehand to see if there are certain exclusions. Some insurers might cover certain illnesses you’ve had in the past, known as pre-existing medical conditions, while others may not.

It’s also important for you to understand the difference between income protection and critical illness insurance – which pays out a one-off lump sum if you suffer a specific serious illness.

You can also get short-term income protection, such as our Lifestyle Protection Plan (a form of short-term income protection), which pays you a monthly income of up to £1,500 until you can return to work, for up to 12 months.

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An Affordable Approach To Income Protection

No one knows what lies ahead, but we do know that an accident or sickness can strike at any time. If they do, they could leave you unable to work, hitting your pocket hard.

Our Lifestyle Protector Plan provides you with a monthly cash lump sum if you’re unable to work due to an accident or sickness.

In short: it’s an invaluable form of short-term income protection to see you through the hard times.

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Who Needs A Lifestyle Protector Plan?

If you suffer an accident or illness that keeps you off work for an extensive period, you can get £89.35 per week through Statutory Sick Pay*. This is paid by your employer for up to 28 weeks.

But could you maintain your lifestyle on just under £90 a week? Would that be enough to cover your:

  • Everyday bills
  • Mortgage or rent
  • Food and groceries
  • Childcare
  • Travel
  • Social life

If you don’t think it would, then you could benefit from our Lifestyle Protector.

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What are the key benefits?

As you’ve discovered, our Lifestyle Protector Plan is an invaluable form of short-term income protection. Here’s a comprehensive summary of the plan’s main benefits:

  • Monthly cash benefits
    - Pays you between £300 and £1,500 a month
  • Back to day one cover
    - Benefits start once you’ve been off work for just 14 or 30 days and are backdated to the day you were signed off by your GP
  • It’s tax free
    - You can spend it on anything you need
  • Up to 12 months cover
    - You’ll be paid for as long as you’re unable to work, up to a maximum of 12 months
  • No health or financial questions
    - No proof of income required
  • All occupations covered
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Your Benefits Explained

Standard benefits

Accident and sickness benefit

(choose between £300 to £1,500 monthly)

This is payable if you’re unable to work due to accident or sickness.

You’ll need to be off work for longer than your chosen waiting period (14 or 30 days) before the benefit will start. It’ll be paid for as long as you’re unable to work, up to a maximum of 12 months.

When your first payment is calculated, it’ll be backdated to the first day you were off work so you receive benefits for the full time you’ve been unable to work (up to a maximum of 12 months).

Example: John breaks his leg and stops working on 1 September. John submits a claim on 1 October as his policy has a chosen waiting period of 30 days. When he receives his first payment, it’s backdated to 1 September. He continues to receive a monthly benefit payment until he returns to work on 1 February.

Hospitalisation benefit

(£30 to £150 daily)

If you’re hospitalised for more than 48 hours, you’ll receive this benefit for each additional day you remain in hospital.

The benefit will be equal to 10% of your chosen accident and sickness monthly benefit and is payable for as long as you remain in hospital, for up to 30 days each year.

Example: John spends five days in hospital after breaking his leg. His chosen accident and sickness benefit is £500, which means he receives a total hospitalisation benefit of £150.

Optional benefits

Unemployment benefit

(Not available to self-employed)

Include this benefit and the policy will pay you a monthly benefit if you become unemployed due to redundancy. That’s additional reassurance against the unexpected.

Life cover

(£10,000 lump sum)

This is payable upon death and provides a valuable lump sum benefit to your family, which they can use to help safeguard their future.

Critical illness cover

(£10,000 lump sum)

This is payable upon diagnosis of a specified critical illness such as cancer, coronary artery bypass grafts, heart attack, kidney failure, major organ transplant, or stroke. You can use the money to make changes to your lifestyle, take time off work to recover, or even enjoy a relaxing break.

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Who can apply?

You must be:

  • Between the ages of 18 and 64 (minimum and maximum ages)
  • Resident in the UK, Isle of Man or Channel Islands
  • Employed and working for a minimum of 16 hours per week, or self-employed
  • Working continuously for 12 months before the policy start date if you have chosen the unemployment benefit (the unemployment benefit is not available to you if you are self-employed)
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How do I make a claim?

Up until 1 January 2018, if you need to make a claim please contact us on 01454 619500 for a claim form. Once you receive the claim form, please complete and send to:

TWG Services Limited, The Aspen Building, Floor 2, Vantage Point Business Village, Mitcheldean, Gloucestershire, GL17 0AF.

In addition, please enclose evidence of employment with your claim form.

Please do this without delay so that your claim can be processed and eligible benefits paid to you quickly.

For any claims after 1 January 2018, please contact Covea directly on 0333 130 4520 to start your claim.

How is the plan underwritten?

When you apply there are no medical questions, so it’s quick and easy to obtain cover and acceptance is usually immediate. Any medical condition that you are aware of or have received treatment for will be excluded – unless you have been symptom-free and not received any advice or treatment for it for two years prior to a claim. Any new medical conditions will be covered – but please refer to the Policy Document for full details.

Who underwrites the Lifestyle Protector plan?

The Lifestyle Protector plan is provided by London General Insurance Company Limited and London General Life Company Limited who are The Warranty Group's European general insurance underwriting company. They have been providing insurance products to some of the leading retailers, banks and financial services companies throughout Europe for over 30 years. LGI is rated A- (Excellent) by AM Best for their financial strength.

(For policies with a start date of 1st December onward) The APRIL UK Lifestyle Protector Plan is underwritten by Covea Insurance plc, who have an excellent reputation in the industry for serving major financial institutions and having strong service standards.

When does the plan end?

The Lifestyle Protector plan will end on the earliest of the following:

  • The date when you become 68 years of age, or the date you retire, whichever is the sooner
  • The date you fail to pay your premium when due
  • The date of your death
  • The date a critical illness benefit is paid (if chosen)
  • The date the plan is cancelled or terminated

What isn't covered?

  • HIV, AIDS and related conditions
  • Normal pregnancy
  • Drug addiction or alcohol abuse
  • Backache or whiplash (unless there is radiological evidence of medical abnormality)
  • Mental illness or stress
  • If you’re away from the European Union for more than 90 days

These are the main exclusions, however please read the Policy Document which contains the full terms and conditions.


Contact Us

Customer service:

0800 028 0849

Mon - Fri 8am - 5pm (excluding public holidays)

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