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Introducing Budget Income Protection with a 12-month claim period (guaranteed premiums only)

Includes all the same great features and benefits as our full Income Protection and current 24-month Budget Income Protection.

We understand your clients are unique and have different needs. That’s why we offer a range of easy-to-understand income protection solutions, designed to help your client when they can’t work. And, with a range of value-added features included as standard, your client can also benefit from their policy even when they’re still able to work.

We know that when you're recommending income compensation to your clients you want to be sure that they're getting the right cover that fits their unique needs.

That's why our range of income protection solutions has been designed to protect your client whether they're working, not working, or getting back on their feet. Our income protection is easy to understand, all the features come as standard.

So your client can access our great benefits including Parents and Child cover, Rehab Support Services, LV= Doctor Services and more at no extra cost, covering them against more of life's challenges. And we have a range of options to suit different client needs. As well as our full income protection we now for a budget version with a 12 month time period as well as our current 24 month budget option.

This gives your clients all the same features as our full version but their claim period will be capped at 12 or 24 months depending on their chosen option. Find out more by visiting the adviser site or contacting your account manager

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Both Full Income Protection and Budget Income Protection also include several special features at no extra cost:

Income Protection that works when your client can't

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Parent and child cover

Pays a lump sum payment to your client of 6 times their monthly cover (up to a maximum of £25,000) should their child be diagnosed with a specific illness or undergoes a listed operation or medical procedure. This feature covers 54 conditions in total, and we’ll pay out once for each child per policy.*

* Exclusions apply. For more details on this and the 54 conditions and medical procedures covered, please see the Income Protection policy conditions.

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Rehab support services

We want to help your clients get back to full health as quickly as possible, improving their wellbeing and morale. To aid their recovery we can offer rehab support services including physiotherapy, psychological support, and return to work services from as early as the waiting period.**

** Please note our rehab support services might be capped at three times the monthly benefit (per individual claim).

Income Protection that works when your client can

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LV= Doctor Services

Fast and convenient access to UK based doctors and medical specialists through six expert medical services:

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Remote GP

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Remote Physiotherapy

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Prescription Services

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Remote Psychological Services

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Second Opinion

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Discounted health MOTs

These services are provided by Square Health and accessed via the app or by phone request.

LV= Doctor Services is a non-contractual benefit and can be changed or removed at any time.

Our range of simple options protect what matters most to your client, every day:

Full Income Protection
  • Includes a number of special features, such as parent and child cover, rehab support services and fracture cover, all at no extra cost
  • Comprehensive cover to protect their income, family and lifestyle
  • Pays out until your client is well enough to go back to work – no matter how long it takes
  • Your client can make multiple claims if they need to
Budget Income Protection
  • Includes the same great features and benefits as our full Income Protection
  • Premiums can be significantly cheaper than full Income Protection
  • Aimed at clients looking for a lower premium, but whose protection needs can still be met with a limited benefit payment period
  • Available with a 12 or 24-month payment term, depending on the option chosen
  • Guaranteed premiums are available with the 12-month or 24-month claim limit
  • Reviewable premiums are only available with a 24-month claim limit
  • Your client can make multiple claims if they need to

Don’t forget, we also offer Personal Sick Pay, our specialist Income Protection for your clients in riskier occupations.

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Contact us about Income Protection

Quotes and questions: 0800 678 1890
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LV=, County Gates, Bournemouth, BH1 2NF, UK