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Since 2006 we have helped 339,597 people compare Protection Insurance quotes.
We would love to do the same for you...

COVID-19 ‘drives popularity of income protection insurance’

It is not exactly news that the coronavirus crisis has profoundly altered the ways in which many of us think about our lives and our health. Now, however, we are beginning to see statistics emerge that help illustrate this, including with regard to sales of income protection cover.

According to data recently released by the London-based analytics and consulting firm GlobalData, more than half (52%) of respondents to its 2020-21 UK Insurance Consumer Surveys said the pandemic had influenced their decision to buy income protection insurance during 2021. This compared to the 37.4% recorded for this same measure in 2020.

Such a finding should not, of course, surprise anyone given the considerable disruptions brought to people’s personal finances by the pandemic, whether or not the virus directly and personally affected them or their loved ones.

What else is clear from the statistics?

The most frequently purchased type of personal income protection insurance during 2021, the study found, was accident and sickness cover, which accounted for a 44.6% purchase share. The next most popular was comprehensive cover at 39.8%, followed by unemployment protection at 15.6%.

Comprehensive policies are those that don’t just include unemployment cover, but also provide protection in the event of an accident or illness rendering the policyholder unable to work.

“Individuals have become increasingly wary”

Senior insurance analyst at GlobalData, Beatriz Benito, commented about the findings: “Individuals have become increasingly wary about the unprecedented events of the last two years, rethinking how best to protect themselves now and in the future.

“The UK’s furlough scheme prevented mass redundancies, yet many individuals still felt the financial squeeze. Some consumers may feel more vulnerable to job losses and health concerns than in the past and are therefore examining ways of protecting themselves in an uncertain economy.”

Benito also pointed out that soon after the effects of the pandemic began to make themselves felt in the UK, insurers temporarily took their unemployment cover off the market amid fears of an imminent escalation in job losses.

If it wasn’t for insurers making this decision to temporarily suspend the availability of unemployment cover, Benito said, “the proportion of income protection policies accounted for by unemployment cover would be significantly higher today.”

We’ll help make you more aware of your protection insurance options

If you have been considering income protection insurance for yourself - and perhaps comparing it to other protection products such as critical illness cover - you may understandably be confused about exactly what is available, or interested in benefitting from further specialist advice.

Our team at QuoteLifeCover.com can leave you well-informed on your options, so that you make only the most suitable choice for your needs. Please do not hesitate to call us now, on 0800 316 6917, to take advantage of our completely free - and no-obligation - quotation service.

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We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Get Insured within 20 Minutes

It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.

A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.

Calculate Your Cover

Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.

Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best advice and the best products from the leading insurers.

Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

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Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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