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Since 2006 we have helped 342,312 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 342,312 people compare Protection Insurance quotes.
We would love to do the same for you...

3 reasons why you might commit to income protection insurance right now

You probably won’t need our own team here at QuoteLifeCover to work too hard to convince you of the importance of doing everything you can to protect yourself financially. Risks to your ability to pay your way in life that might have once seemed distant will probably feel much closer now, amid the continued cost-of-living crisis that is showing little sign of letting up.

Income protection cover is a type of protection product that might even be argued to be the most important of all. It pays out monthly tax-free amounts in the event of the policyholder not being able to work due to long-term sickness or disability.

But are you still second-guessing whether you really need to take out income protection insurance? Maybe you need to be just slightly more convinced of the merits of this specific product? If so, here are a few reasons why you may be persuaded to go ahead and buy this cover without delay.

You depend on your income... for everything

In the current situation, your income - as opposed to, for example, your savings - might be what is making possible everything in your life that costs any money. You might need that income so that you can keep up with your mortgage or rent payments, energy bills, food costs, the costs of commuting to work... you name it.

If there is little ‘slack’ in your present budget or fallback position in the event that you hit upon harsher financial times, this could make an income protection insurance policy an especially important - and urgent - investment for you and your household.

It doesn’t need to be as expensive as you might think it’s going to be

If there’s one reason why you’re hesitating to buy an income protection insurance policy right now, it might well be the price... or at least, the price you’re initially quoted.

The fact is, there are quite a number of things you can do to help lower that headline price, without necessarily losing much - or any - of the protection you most need. You could set a longer deferred period, for instance - this being the time you would have to wait after claiming before you would be able to start receiving payouts - or you could set the maximum cover at a lower amount.

The risk of needing this insurance could be higher than you realise

No one wants to spend much time thinking about the chances of long-term illness or disability preventing them from working, but it’s sadly something that further underlines why income protection insurance could be so necessary. Indeed, the risk could be higher than you think.

Statistics suggest that an estimated 149.3 million working days were lost in the UK as a consequence of sickness or injury in 2021, which works out as about 4.6 days per worker. And a person who has spent six months or more off work has an 80% chance of being off for five years.

So, what might initially look like a mere ‘nice-to-have’ insurance policy could quickly look like an essential lifeline if the worst does happen. It’s one more reason to not necessarily be put off by the initial price you are quoted if you are on the lookout for income protection insurance.

Speaking of receiving a quote, why not ask for a no-obligation quote from our own team at QuoteLifeCover today? You can call our free service on 0800 316 6917, and we will be pleased to help set out your options and guide you towards the income protection insurance policy that genuinely represents the best match to your needs.

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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