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Since 2006 we have helped 339,594 people compare Protection Insurance quotes.
We would love to do the same for you...

Now’s the time to protect your loved ones - Prices have never been cheaper.

Let's help guide you through the options and find the best deal for your circumstances.

Our quotation service is completely FREE & you are under no obligation to purchase.

Since 2006 we have helped 339,594 people compare Protection Insurance quotes.
We would love to do the same for you...

Remember: income protection cover is the protection of your own earning power

We’re sure that many of you - certainly those of you who read the QuoteLifeCover blog regularly - are becoming a little weary of our mentions of the cost-of-living crisis, and indeed, much of what has been said about the crisis in the wider media. But of course, the reality is that it is a crisis, with great numbers of people across the country seriously struggling.

It therefore particularly interested us lately to read a set of statistics quoted by COVER magazine, which shed some interesting light on ordinary people’s financial situations right now, and how they are currently managing - or not managing - to deal with the crisis.

Persistent worries about the future, as customers struggle to cut back

COVER referenced research carried out by a financial services company, which found that 64% of UK adults - nearly two-thirds - or around 33 million people, are concerned about the future due to the present state of their finances. Even worse, more than half of UK adults - 56% - felt they had already done everything they were able to do in order to save money.

COVER brings us neatly onto the subject of protection insurance, and in particular, income protection insurance. Unfortunately, the relatively “intangible” nature of this type of insurance - it not having an obvious material benefit until and unless the policyholder actually needs to make a claim - can make it one of the first things that people decide to cancel, during difficult economic times like the present.

That’s a deeply unfortunate situation, when it is difficult economic times like the present that simply further underline why forms of COVER like income protection are so important.

Your single most important asset is your own earning power

Looking to the findings of other research cited by COVER, 31% of respondents remarkably said, “I have no need to protect my income.” Coinciding with this, only about one in 10 (11%) of those surveyed saw themselves as their own biggest asset. Instead, most respondents regarded property as their highest-value financial asset, followed by savings and vehicles.

The reality is, your own earning power is absolutely imperative, not least because it likely underpins so much else in your life. You might have an active mortgage, for example, and at this time of all times, it’s probably unlikely that you would be able to afford losing your source of income through a difficult-to-foresee cause such as long-term sickness or disability.

Income protection insurance, then, is arguably one of the very last things you should be going without - if at all possible - in the thick of a cost-of-living crisis. It is a type of insurance that pays out a sum of money each month in the event of sickness or injury rendering you unable to work, thereby providing you and your finances with what might be a vital layer of protection.

Would you like to discuss with an informed adviser what could be possible when you buy such a policy? If so, it’s a straightforward process to call us - on 0800 316 6917 - to benefit from our free no-obligation advice and quotation service.

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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