Income Insurance | Income Protection Insurance

Why you might take out our income protection policy

If you were sick or had an accident, could you still pay the bills? Protect yourself and your family against loss of income with our income protection insurance and make sure money is there when you might need it most.

Our Income Protection cover is designed to help you cope if you lose your income as a result of sickness or an accident.

It aims to pay you a monthly income, to help replace some of your lost earnings (up to 55% of your annual income before tax), and help you and your family cope financially if you couldn’t work. If you own a limited company then your income can include dividend income - please click here to find out more.

We also offer Budget Income Protection cover, which pays out for a maximum of 24 months, but keeps your monthly premiums lower.

Cover features

Back to work support available
Career break option available
Guaranteed increase options
Guaranteed or reviewable premiums
Level or inflation-linked cover
Premiums start at £5 per month
Cheaper budget cover also available
Special features for doctors and surgeons

Important information

With Budget Income Protection, the regular monthly income will be paid for a maximum of 24 months.
Reviewable premiums do not change within the first 5 years of your policy starting, but after that could change every year.
Minimum cover of £100 a month
Maximum cover of £12,500 a month
If you stop paying premiums you won't get any money back and you'll no longer be covered.

5% discount - this offer is available for all new Income Protection (full and budget) applications that we receive on or before Friday 31 May 2013. The discount will be included automatically on all new quotations.

How to buy our income protection?

All we ask is that you're a UK resident, you're aged 17 to 59, and your income protection cover is at least £5 a month (as this is the minimum premium). Your policy must last for at least 5 years (our minimum term) and must end before you reach the age of 70. In some cases (for example because of your occupation) we may set a younger ending age. If this applies to you, we will let you know before your policy starts.

Please make sure you read the details about our income protection product and the Policy Summary.
Consider how much cover you need and the length of time you need the cover for.
Phone one of our friendly members of staff on 0800 756 8523 to find out more information and get a quote.
The information given in these pages should not be seen as advice to take out this plan so if you're happy that the product meets your needs you can apply over the phone.

If you're not sure if this product is right for you, you can speak to a financial adviser . We advise on LV= products only.

You can phone us
Call our UK-based advisers for more information or a quote:

0800 756 8523
Quoting offer code IELO

Textphone: 18001 0800 756 8523

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We may record and / or monitor calls for training and audit purposes.

We offer advice on LV= products only

Things to consider