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How to Claim Income Protection for Long COVID

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 14, 2026
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How to Claim Income Protection for Long COVID 2026

TL;DR

At WeCovr, we provide expert guidance on claiming income protection for Long COVID in the UK. This guide explains the latest 2026 underwriter approach to post-viral fatigue and cognitive impairment claims, helping you secure your financial future with confidence.

Key takeaways

  • Insurers now have established guidelines for Long COVID, focusing on objective medical evidence and functional impact.
  • An 'own occupation' definition of incapacity is crucial for a successful claim, especially for skilled professionals.
  • Comprehensive documentation, including a symptom diary and specialist reports, is vital for proving incapacity.
  • For business owners, Executive Income Protection offers a tax-efficient way to safeguard earnings against long-term illness.
  • Working with an expert broker like WeCovr significantly improves your chances of a smooth and successful claims process.

The emergence of Long COVID, or post-COVID-19 syndrome, has created significant challenges for individuals, employers, and the protection insurance industry. Its complex and often debilitating symptoms, such as chronic fatigue and cognitive impairment, can prevent people from working for months or even years.

For those with income protection, a successful claim can be the difference between financial stability and hardship. However, navigating the claims process for a condition that is not always well understood can be daunting.

This definitive guide provides the clarity you need. We will explore the latest 2026 underwriter guidelines for assessing Long COVID claims, explaining exactly what insurers are looking for and how you can build the strongest possible case. As an FCA-regulated expert broker, WeCovr is committed to empowering you with the knowledge to protect your income effectively.

The latest 2026 underwriter guidelines for post-viral fatigue and cognitive impairment claims

By 2026, UK insurers have moved beyond the initial uncertainty that surrounded Long COVID. Having processed thousands of claims and analysed extensive data, a clearer, more structured framework has emerged for assessing claims related to post-viral fatigue and cognitive impairment ("brain fog").

The focus has shifted from requiring a single, definitive diagnostic test (which doesn't exist) to a more holistic assessment of functional impairment. Insurers now evaluate a body of evidence to determine whether your symptoms, as a whole, prevent you from performing the material and substantial duties of your occupation.

Here are the core principles of the 2026 guidelines:

  1. Acceptance of the Condition: All major UK insurers recognise Long COVID as a legitimate cause of incapacity. Initial scepticism has been replaced by established internal processes for managing these complex claims.
  2. Focus on Functional Impact: The key question is not "Do you have Long COVID?" but rather "How does your condition prevent you from doing your job?". Underwriters and claims assessors concentrate on the practical effects of your symptoms on your work capacity.
  3. Requirement for Objective Evidence: While insurers understand the subjective nature of fatigue and brain fog, they require objective medical evidence to support a claim. This includes GP notes, consultant reports, and results from specialised assessments.
  4. Emphasis on Proactive Management: Insurers look favourably on claimants who are actively engaged with medical professionals and following recommended treatment or management pathways, such as those offered by NHS Long COVID clinics.

What Insurers Look for in a Long COVID Claim

Evidence TypeWhat Insurers Want to SeeWhy It's Important
Medical DiagnosisA formal diagnosis of "Post-COVID-19 Syndrome" or similar from a GP or specialist.Establishes the medical basis for the claim.
Consultant ReportsReferrals and reports from specialists (e.g., neurologists, respiratory consultants, cardiologists).Provides expert validation of symptoms and rules out other causes.
Symptom & Activity DiaryA detailed, consistent log of daily symptoms, their severity, and their impact on daily tasks.Demonstrates the ongoing and persistent nature of the incapacity.
Functional AssessmentsReports from occupational therapists (OT) or physiotherapists assessing physical and cognitive abilities.Offers an objective measure of your functional limitations.
Cognitive TestingNeuropsychological evaluation results if "brain fog" is a primary symptom.Quantifies cognitive deficits in memory, concentration, and processing speed.
Employer StatementConfirmation from your employer about your job duties and why you are unable to perform them.Corroborates your claim from a workplace perspective.

Understanding Income Protection: Your Financial Safety Net

Before diving deeper into the claims process, it's essential to understand what income protection is and how it works. This knowledge is your first line of defence.

Income Protection Insurance is a long-term policy designed to replace a significant portion of your lost earnings if you are unable to work due to any illness or injury.

Here’s how it operates:

  • Monthly Benefit: It pays out a regular, tax-free monthly income. This is typically set at 50% to 65% of your gross pre-incapacity earnings.
  • Deferred Period: This is a pre-agreed waiting period before the payments begin. You choose this when you take out the policy. Common options are 4, 8, 13, 26, or 52 weeks. You should align this with any employer sick pay or savings you have.
  • Payment Term: The policy will continue to pay out until you can return to work, the policy term ends (often at your planned retirement age), or you pass away, whichever happens first.

This is fundamentally different from Critical Illness Cover, which pays a one-off, tax-free lump sum upon the diagnosis of a specific, serious illness listed in the policy document. Long COVID is not a standard defined condition on critical illness policies, making income protection the primary safety net for this condition.

The Crucial "Definition of Incapacity"

The single most important clause in your income protection policy is the "definition of incapacity." This determines the test the insurer will use to assess your claim.

  1. Own Occupation: This is the most comprehensive definition. The policy will pay out if you are unable to perform the material and substantial duties of your specific job. For a surgeon with hand tremors or a writer with severe cognitive fog, this definition is invaluable. It is the standard we recommend for most professionals at WeCovr.
  2. Suited Occupation: The policy pays out if you can't do your own job or a similar job to which you are suited by skills, education, and experience. This is less robust, as an insurer could argue a former solicitor might be able to work as a paralegal or lecturer.
  3. Any Occupation (or Activities of Daily Living): This is the most basic definition and offers the least protection. It will only pay out if you are so incapacitated that you cannot perform any work or a number of basic physical tasks. These policies are less common in the modern advised market and are generally not a suitable option for professionals.

For a Long COVID claim involving fatigue or cognitive impairment, having an "Own Occupation" policy is a significant advantage. It ensures the assessment is directly linked to your ability to perform your specific professional role.

Making a Successful Claim: A Step-by-Step Guide

If Long COVID is preventing you from working and your deferred period is approaching, it's time to prepare your claim. A methodical approach is critical.

Step 1: Notify Your Insurer

As soon as it becomes clear that your absence will likely extend beyond your deferred period, contact your insurer (or your financial adviser) to inform them you intend to make a claim. They will send you the necessary claim forms.

Step 2: Gather Your Medical Evidence

This is the most crucial phase. Do not simply rely on a single GP letter. Build a comprehensive file of evidence, including:

  • A timeline of your illness, from initial COVID-19 infection to your current symptoms.
  • Your detailed symptom diary. Be specific: instead of "felt tired," write "Felt overwhelming fatigue after a 10-minute walk; had to rest for 3 hours."
  • Copies of all referral letters to specialists and NHS Long COVID clinics.
  • All reports and test results from those specialists.
  • A letter from your GP summarising your condition, treatment plan, and their opinion on your fitness for work.

Step 3: Complete the Claim Form

Fill out the insurer's form with meticulous detail.

  • Be consistent with the information in your medical records.
  • Clearly describe your job duties and explain precisely how your symptoms (e.g., fatigue, poor concentration, memory loss) prevent you from performing each one.
  • Authorise your insurer to access your medical records from your GP and any specialists you have seen.

Step 4: Liaise with Your Employer

Your insurer will likely contact your employer to confirm your salary, your role, and the reason for your absence. It's helpful to speak with your HR department or line manager beforehand so they understand the situation and can provide accurate information.

Step 5: Ongoing Communication

Once the claim is submitted, the insurer's claims team will assess the information. They may request further medical assessments or a telephone interview with you. Cooperate fully and provide any requested information promptly.

This is where an adviser can be invaluable. At WeCovr, we can manage this communication on your behalf, ensuring the insurer receives the right information in the right format and chasing for updates, which can relieve significant stress during a difficult time.

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Real-Life Scenario: A Successful Long COVID Claim

Client: Sarah, a 42-year-old self-employed marketing consultant. Policy: Own Occupation Income Protection, £3,000/month benefit, 13-week deferred period.

  • Illness: Sarah contracted COVID-19. While the acute phase passed, she was left with severe cognitive fog, memory lapses, and profound fatigue. She found she could no longer write compelling copy, manage complex client campaigns, or sustain concentration for client meetings.
  • Action: After 10 weeks of being unable to work, Sarah contacted her adviser at WeCovr. We helped her start the claims process.
  • Evidence Gathered:
    • GP records diagnosing post-COVID-19 syndrome.
    • A referral to a neurologist to rule out other conditions.
    • A neuropsychological assessment that objectively measured a 30% decline in her processing speed and short-term memory.
    • A detailed symptom diary tracking her energy levels and cognitive "crashes."
    • Her accounts showing a complete drop-off in income.
  • Outcome: The insurer reviewed the extensive evidence. The combination of the "Own Occupation" definition and the objective neuropsychological data was compelling. Her claim was approved, and payments began promptly after her 13-week deferred period ended. The £3,000 monthly income allowed her to cover her mortgage and bills, giving her the financial space to focus on her recovery without the stress of losing her home.

Income Protection for Business Owners, Directors, and the Self-Employed

The financial shock of being unable to work is often most acute for those who run their own business or work for themselves. There is no safety net of statutory or contractual sick pay.

For the Self-Employed and Freelancers

Income protection is not a luxury; it's an essential business continuity tool.

  • Cover Levels: You can typically insure up to 65% of your pre-tax net profit.
  • Proof of Income: When applying or claiming, you will need to provide your accounts or tax returns (SA302s) to prove your earnings.
  • Flexibility: Some policies offer features designed for the self-employed, such as the ability to reduce cover during quiet periods and increase it again without further medical underwriting.

For Company Directors

Company directors have several highly effective and tax-efficient options available.

Executive Income Protection

This is a specialist form of income protection designed for businesses to protect their key employees, including directors.

  • How it Works: The company owns and pays for the policy. If the director is unable to work due to illness (like Long COVID), the insurer pays the monthly benefit to the company. The company then pays the director a salary through PAYE, deducting tax and National Insurance as usual.
  • Key Advantages:
    • Tax Efficiency: The premiums are typically considered an allowable business expense, reducing the company's corporation tax bill.
    • Higher Cover Levels: It's possible to cover up to 80% of the employee's gross earnings (including salary and dividends).
    • Benefit to the Business: It allows the business to continue supporting a key individual without draining cash reserves.

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

Key Person Insurance

This is a different type of business protection. It's designed to protect the business itself from the financial consequences of losing a vital team member to death or critical illness. The policy pays a lump sum to the business to cover costs like recruiting a replacement or compensating for lost profits. It does not replace the individual's salary and is less likely to pay out for a condition like Long COVID unless it triggers a Total and Permanent Disability clause.

A Note on Whole of Life Insurance Policies

While income protection is the focus for long-term illness, it's helpful to understand how other protection products work. A common area of confusion is Whole of Life insurance.

It's crucial to distinguish between modern and older types of policies.

Modern Pure Protection Whole of Life Plans

  • These are the plans we focus on at WeCovr. They are straightforward, transparent, and affordable.
  • The policy is a pure life insurance contract with no investment element or cash-in value.
  • You pay a premium for your entire life, and the policy guarantees to pay out a lump sum when you die.
  • If you stop paying premiums, the cover ceases, and you get nothing back.
  • Their primary use in modern financial planning is for two key purposes:
    1. Inheritance Tax (IHT) Planning: When written in an appropriate trust, the payout can be used to cover an IHT bill, ensuring your estate can be passed on intact.
    2. Guaranteed Legacy: To leave a fixed sum of money to loved ones, regardless of when you pass away.

Older Investment-Linked Whole of Life Policies

  • These policies, often sold decades ago, worked very differently. They were a hybrid of life insurance and an investment plan (e.g., "with-profits" or "unit-linked").
  • Part of your premium paid for the life cover, and the rest was invested.
  • The idea was that investment growth would cover the rising cost of insurance as you aged and potentially create a "surrender value."
  • These plans were often complex, opaque, and had high charges. The final payout and any surrender value were not guaranteed and depended heavily on investment performance.
  • Surrendering these policies in the early years often resulted in getting back less than you had paid in.

At WeCovr, we specialise in comparing the market for modern, guaranteed pure protection plans, ensuring you get transparent cover that meets your specific goals.

Preparing for the Future: Choosing a Suitable Income Protection Policy

If you don't yet have cover, the risk posed by conditions like Long COVID underscores its importance. When comparing policies, focus on these key areas.

FeatureOur RecommendationWhy It's a Strong Choice for You
Definition of IncapacityOwn OccupationThis is the gold standard. It protects your ability to do your specific job, which is vital for roles requiring specialist skills, knowledge, or high levels of concentration that could be affected by Long COVID.
Deferred PeriodMatch to your sick pay and savingsIf your employer pays you for 6 months, choose a 26-week deferred period. If you're self-employed with 3 months of savings, a 13-week period is a suitable option. Don't pay for cover you don't need.
Premium TypeGuaranteedThis locks in your premium from day one. It won't increase with your age or if you make a claim. Reviewable premiums may start cheaper but can become unaffordable in the long run.
Indexation OptionInclude if affordableThis increases your potential benefit each year in line with inflation (RPI or CPI). On a long claim, this is vital to ensure your payout maintains its real-world purchasing power.
Insurer's Claim RecordCheck published statisticsLook for an insurer with a high percentage of claims paid (typically 90%+ for income protection). This provides confidence that they will be there for you when you need them most.

As part of our commitment to our clients' long-term wellbeing, WeCovr provides complimentary access to CalorieHero, our AI-powered calorie and nutrition tracking app. Managing your health is a key part of financial planning, and this tool can support your wellness journey.

Your Questions Answered: FAQ on Long COVID and Income Protection

Is Long COVID a pre-existing condition for a new income protection application?

Yes, if you have been diagnosed with or experienced symptoms of Long COVID before applying for income protection, you must declare it. Insurers will ask detailed questions about the severity, duration, and impact of your symptoms. Depending on your recovery, they may offer standard terms, apply a premium loading, add an exclusion for post-viral fatigue syndromes, or postpone a decision until you have been symptom-free for a set period (e.g., 6-12 months).

Can an insurer decline my income protection claim for Long COVID?

Yes, a claim can be declined, typically for two main reasons. The first is "non-disclosure," where you failed to declare relevant medical information when you applied. The second is if you fail to provide sufficient evidence that you meet the policy's definition of incapacity. This is why thorough medical documentation and understanding your policy terms are so important for a successful Long COVID claim.

How much income protection cover can I get?

Generally, you can insure between 50% and 65% of your gross annual income (salary, bonuses, dividends). For higher earners, this percentage may taper. For Executive Income Protection, this can rise to 80% of remuneration. Insurers cap the amount to ensure there is always a financial incentive to return to work when you are well enough.

Do I have to be bedridden to claim on my income protection policy?

No, you do not have to be bedridden. The test for an "Own Occupation" policy is whether your illness or injury prevents you from performing the key duties of your specific job. For a condition like Long COVID, symptoms such as severe cognitive impairment, memory loss, or chronic fatigue can make it impossible for a professional to work effectively, even if they are physically mobile.

Secure Your Financial Future Today

The risk of long-term illness has never been more apparent. Long COVID has shown how quickly our health and ability to earn an income can change. While the claims process for this complex condition has matured, success depends on having the right policy in place and presenting a well-documented case.

Working with an expert adviser removes the guesswork and stress from this process. At WeCovr, we compare plans from all the UK's leading insurers to find a policy that is a strong fit for your occupation, budget, and peace of mind.

If you already have a policy and need to claim, we can provide the guidance and support you need to navigate the process. Don't leave your financial security to chance.

Contact WeCovr today for a free, no-obligation income protection quote and let our experts help you build a robust financial safety net.

Sources

  • Office for National Statistics (ONS)
  • NHS England
  • Financial Conduct Authority (FCA)
  • Association of British Insurers (ABI)
  • GOV.UK
  • The Lancet
  • British Medical Journal (BMJ)

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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