Income Protection Insurance

Our Income Protection Insurance can help your clients rest a bit easier, knowing they'll get a monthly income that could help towards outgoings such as mortgage payments if they're sick or injured and can't work.

Our Income Protection is just the job to provide your clients with financial support to help them if the wheels fall off and they’re unable to work for a period of time due to illness or injury.

Traditionally, Income Protection has been seen as complex and slow to pay out when people need it most.

But our Income Protection gives your clients a range of great benefits so they can get the financial help they need - when they need it.

Fracture cover of up to £4,000 per claim; with two claims allowed in a 12 month period.

A hospitalisation payment of £100 per night, that’ll start after your client spends more than six consecutive nights in hospital.

A payment of 12 months’ premiums if the person covered dies during the term of the cover.

Back to work payments... and we’ll waive the deferred period if your client is diagnosed with a terminal illness and has less than 12 months to live.

But that’s not all! Our tiered approach can help clients protect more of their income – up to 65% of the first £15,000 of pre-tax income plus 55% of the rest.

Employed clients running their own company can include things like dividends, a nominal spouse’s salary and P11D benefits. And your self-employed clients can include certain fixed overheads.

And our adaptable claims philosophy means we do our best not to stall things while we’re waiting for financial evidence.

To get fully up-to-speed on Income Protection, visit

Flexible Income Protection

Your clients can choose their own cover. They can decide between level or increasing cover, select the length of their deferred period and choose how long they want their cover to pay out for. 

Client benefits - Income Protection

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  • Comprehensive - your clients can claim if they can't do their own job due to illness or injury. 
  • Additional benefits - fracture cover and hospitalisation payment as standard. These benefits don't affect the main Income Protection cover, so your clients won't need to wait for their chosen deferred period to end before making a claim.
  • Reassuring - we'll cover up to 65% of the first £15,000 of a client's pre-tax earnings, plus up to 55% of the remainder, up to £250,000 a year.
  • Flexible - your clients can choose how long they'll receive their payments. Up to one year, two years, five years or even the full term of the cover. Please note that at the moment the five year payment option is only available through our extranet but will be coming soon to the portals.
  • Minimum benefit amount - the amount of cover paid out at claim will never be less than the lower of £1,500 each month, or the amount of cover on their plan.
  • Personal support - our Helping Hand service gives your clients, and their partner and children, access to practical and emotional support on their journey towards recovery. Your clients can access this support at any time, not just when they make a claim.
  • Back-to-work payment - clients with deferred periods of 13, 26 or 52 weeks will receive a back-to-work payment in their first and second months back at work to help with the financial impact of returning.
  • Accelerated claims for terminal illness - if a client has less than 12 months to live, and meets our definition of terminal illness, they won’t need to wait for their deferred period to end before their payments start.
  • Additional payment on death - if a client dies during the term of their cover, we’ll pay out a lump sum equal to 12 times the monthly premium for their Income Protection.

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See all the features of our Income Protection

Tailored protection for your client's family

You can mix and match Income Protection with other covers in a Menu Plan to provide tailored protection that meets your clients' individual needs and budgets. And don't forget - different covers can start at different times, even if they're on the same plan.

Income protection for self-employed

For anyone who’s self-employed, their income is the most valuable thing they have – although they probably don’t realise it. By combining Income Protection with Life Cover, you can make sure their mortgage is protected, or that they'll still have a regular income if they're unable to work.

Last updated: 18 Apr 2019

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.