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Since 2006 we have helped 339,596 people compare Protection Insurance quotes.
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Since 2006 we have helped 339,596 people compare Protection Insurance quotes.
We would love to do the same for you...

Thinking of combining life insurance with income protection in a single policy? Before you do, ask yourself these 3 questions

If one form of protection insurance helps to protect one thing in your life, combining two forms of protection insurance in one policy could be a great way to double your level of protection... right?

That’s certainly the conclusion that many people reach. But it’s also important to be well-informed and clear-eyed about exactly what a combined life insurance and income protection policy would mean for you, and what level and nature of protection you could expect.

With that in mind, it’s worth asking yourself the below three questions when you are considering whether combining income protection and life insurance in a single policy would be the right choice for you.

What exactly does the given policy cover?

We’ve addressed this in greater detail on the page of our site dedicated to combined insurance policies. But in a nutshell, a typical combined income protection and life insurance policy would pay out a monthly tax-free amount in the event of long-term illness or disability preventing you from working, and if you were to die, a lump-sum payment would be made to your beneficiaries as well.

Still, no given combined policy of this nature will be entirely the same as the next. And you will need to make certain decisions - for example, on whether you would want the income protection part of the policy to pay out over just one to five years, or all the way until the age of retirement.

This, in turn, makes it crucial to scrutinise the fine print of any policy you are offered, to make sure it is what you think it is, and it matches well to your needs.

Do you need both these areas of coverage?

The very fact that you are considering this type of combined policy, indicates that you think both the income protection and life insurance elements of coverage would be useful, important, or essential to you. But before you commit to a policy, it’s worth asking yourself again whether that is truly the case.

If, for instance, you are paying off a mortgage on a property, but you have no one - such as any partner or children - who are financially dependent on you, the chances are that you won’t really need life insurance. That’s because, even if you were to pass away, any outstanding mortgage on your home would be settled by the proceeds from the sale of the property after your death.

Similarly, there may be reasons to consider whether a new income protection policy is all that crucial to you, such as if you already get this form of insurance as a benefit from your employer.

Could it be cheaper to buy income protection and life insurance separately?

Before you agree to a given combined life insurance and income protection policy, it could also be a very good idea to look at how much it would cost you to buy these forms of insurance as two separate policies. You might find that it’s actually the more cost-effective option for giving you the exact insurance policy you require.

The above three questions aren’t the only ones that could potentially greatly help you make the right choice when it comes to combined income protection and life insurance, but they could certainly go a long way to narrowing down your options.

And don’t forget that if you would appreciate some slightly more direct help from us, it’s free to call our no-obligation advice and quotation line, on 0800 316 6917. It could yet turn out to be one of the best decisions you make for the financial security of your household this year.

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.

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.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

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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