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Income Protection Insurance Comparison

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Income Protection Insurance Comparison

Free whole of market income protection comparison service through LifePro. Compare quotes from all UK insurers to find the best policy for your circumstances. Our FCA-regulated service provides impartial advice with expert guidance throughout the application process. Income protection covers up to 70% of your income in tax-free monthly payments if you're unable to work due to illness or injury. Get free, no-obligation quotes from just 20p-a-day.

By: Milly Streten Protection Expert Updated: 2nd January 2026

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Compare income protection quotes to secure the best deal

Comparing income protection quotes can assist you to find the right policy to meet your needs, at the best available price.

You may wonder how to go about comparing policies. Three of the most common methods include:

1. Conduct the research yourself - You’ll need to obtain quotes individually from each insurer. This could be time consuming, particularly if you’d like to get quotes from a number of insurers

2. Use a comparison site - A quick and easy way of gathering a range of quotes at once. You have the freedom to go at your leisure, however, if you get stuck during the application there’s no one on hand to answer your questions

3. Use the services of a broker - Using a broker allows you to compare prices from a variety of insurers with a dedicated team member on hand to take you through the application and provide recommendations on what’s best for you

LifePro are an FCA-regulated broker who can help you compare income protection quotes from the whole of the market, free of charge.

A friendly member of our advised team can take your personal circumstances into consideration, present you with the most suitable options and give personalised recommendations on what’s right for you.

Why compare income protection insurance through LifePro?

  • Whole-of-market comparison from 50+ UK insurers
  • Expert advice from FCA-regulated advisors
  • No extra cost - insurers pay our commission
  • Fast quotes in 60 seconds
  • Support throughout your policy lifetime

What is income protection insurance?

Income protection is an insurance policy which can payout a percentage of your usual income while you’re unable to work due to illness or injury.

How much income protection insurance do you need?

The amount of income protection insurance you need depends on your individual circumstances and financial commitments. Most experts recommend covering 50-70% of your gross annual income, as this typically provides enough to maintain your standard of living if you're unable to work due to illness or injury.

When calculating how much cover you need, consider:

  • Your monthly mortgage or rent payments
  • Household bills and utilities
  • Childcare costs
  • Loan repayments and credit card bills
  • Daily living expenses for your family
  • Any savings you have that could cover short-term absences

Remember that income protection payments are tax-free, so you may not need to replace your full salary. The key is ensuring you can maintain your essential outgoings and standard of living during a period when you're unable to work.

To get an accurate quote tailored to your needs, use our free comparison service to compare quotes from 50+ UK providers, including Income Protection Insurance Comparison.

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Frequently Asked Questions

How do I compare income protection insurance?

Compare income protection by evaluating key factors across insurers: Monthly benefit amount - Up to 70% of gross salary (most insurers cap at £2,000-£3,000/month). Deferred period - How long before payments start (4 weeks to 52 weeks). Benefit period - How long payments continue (2 years, 5 years, or to age 65). Definition - Own occupation vs suited occupation vs any occupation. Premium - Monthly cost (varies by age, health, occupation, smoking). Exclusions - What's not covered. Provider reputation - Claim success rates and customer service. Best way to compare: Use whole-of-market broker (like LifePro) - compares all insurers at once, provides expert recommendations, handles paperwork. Don't just compare price - cheapest policy might have 'any occupation' definition that rarely pays out.

What is whole of market income protection comparison?

Whole of market comparison means the broker/comparison service searches ALL available income protection insurers, not just a limited panel. Benefits: See every available policy - not restricted to 4-5 insurers. Find best price - genuine market comparison. Access specialist insurers - some only work through brokers. Expert matching - broker recommends best fit for your circumstances. Contrast with limited panel: Some comparison sites only show 5-10 insurers (limited panel). Direct insurers only show their own products. Banks/building societies often have tied arrangements (1-2 insurers). LifePro is whole of market - we compare every UK income protection provider and are not tied to any insurer.

Is it better to use a broker or comparison website for income protection?

Using a broker is generally better than a DIY comparison website for income protection. Why brokers are better: Expert advice - Income protection is complex (definitions, deferred periods, exclusions). Brokers explain options. Impaired risk help - If you have health conditions, broker knows which insurers to approach. Claims support - Broker helps if claim is declined. Whole of market - True brokers compare ALL insurers, not just a panel. No extra cost - Brokers paid by insurers (same premium whether you go direct or use broker). Application help - Broker ensures medical questions answered correctly (avoiding claim issues later). When comparison sites work: If you're young, healthy, employed, non-smoker - straightforward case. If you want quick ballpark quotes before speaking to adviser. LifePro is an FCA-regulated broker offering free, impartial advice with whole-of-market access.

How much does income protection insurance cost to compare?

Income protection comparison is completely free - you pay nothing to compare quotes. How broker comparison works: You provide details (age, income, health, occupation). Broker searches all insurers and presents quotes. You choose a policy (or don't - no obligation). Insurer pays broker a commission (built into premium whether you go direct or via broker). You pay the same premium as going direct to insurer. Why brokers offer free comparison: They're paid by insurers, not by you. Commission is same whether you use broker or go direct. Brokers add value through advice without extra cost. Red flags (avoid these): Brokers charging comparison fees (should be free). Brokers pushing specific insurers (should be impartial). Sites claiming to compare but only showing 3-4 insurers (not whole market). With LifePro you get: Free whole-of-market comparison, FCA-regulated impartial advice, No hidden fees, Expert recommendations.

What should I compare when looking at income protection policies?

Compare these key features: 1. Definition (MOST IMPORTANT): Own occupation - pays if can't do YOUR job (best). Suited occupation - pays if can't do your job or similar role. Any occupation - pays only if can't do ANY work (worst). 2. Deferred Period: How long you wait before payments start (4-52 weeks). Longer wait = cheaper premiums. Align with employer sick pay. 3. Benefit Period: To age 65 (best - protects until retirement). 2-5 years (cheaper but limited protection). 4. Monthly Benefit: Max 50-70% of gross income. Check if increases with inflation (indexation). 5. Premium: Monthly cost. Guaranteed or reviewable? 6. Exclusions: What's not covered (pre-existing conditions, dangerous activities, etc.). 7. Extra Features: Rehabilitation support. Proportionate benefit (pay if working part-time). Guarantee insurability (increase cover without medical underwriting). Don't just compare price - cheapest policy with 'any occupation' definition might never pay out.

Can I compare income protection if I have pre-existing conditions?

Yes, you can compare income protection with pre-existing conditions - but expect: Exclusions on pre-existing condition - Policy won't pay out for that specific condition. Loaded premiums - Higher monthly cost (10-50% more). Decline - Some insurers may refuse cover entirely. Why use a broker for pre-existing conditions: Brokers know which insurers are flexible with specific conditions. Can approach multiple insurers simultaneously (saves time). Understand medical underwriting - can advise how to present health history. May access specialist impaired risk insurers. Common pre-existing conditions and outcomes: Mental health (depression/anxiety) - Often excluded for 2-5 years, then covered. Back problems - Musculoskeletal exclusion common. Diabetes - Type 1 harder to insure than Type 2. Heart conditions - Often declined or heavily loaded. Cancer (in remission) - Often need 5+ years cancer-free. Always declare pre-existing conditions - failing to disclose means claim will be rejected. LifePro specialises in finding cover for people with health conditions.

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