LifePro can compare income protection quotes available from a wide range of UK insurers. Review the quoted premium, cover definition, deferred period, exclusions and policy terms before deciding. There is no broker fee or obligation to buy; an insurer pays LifePro commission if a policy starts.
By: Howard Gregory, Founder & Director · Updated: 2nd January 2026
Compare Income Protection Quotes »Comparing income protection quotes lets you review the premiums, cover definitions, deferred periods, exclusions and policy terms available for your circumstances.
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 is a UK protection broker. We compare quotes from a wide range of UK income-protection insurers. There is no broker fee or obligation to buy; an insurer pays LifePro commission if a policy starts.
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.
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.
The amount of income protection insurance you need depends on your individual circumstances and financial commitments. Insurers commonly cap cover at a percentage of gross income, so the available amount depends on the provider and your earnings.
When calculating how much cover you need, consider:
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.
Use our comparison service to review the income protection quotes available for your circumstances from a wide range of UK insurers.
Run a Free IP Quote Comparison »Compare the monthly benefit, cover definition, deferred period, benefit period, premium, exclusions and policy terms. LifePro can compare policies available from a wide range of UK insurers, but price should not be the only consideration.
An income protection comparison can show policies available from a broker's insurer panel. Compare the cover definition, deferred period, benefit period, exclusions, premium type and personalised premium for each option. LifePro is not tied to a single insurer.
A broker can explain differences between income protection policies, including cover definitions, deferred periods, exclusions and underwriting terms. LifePro compares policies available from a wide range of UK insurers. There is no broker fee or obligation to buy; an insurer pays LifePro commission if a policy starts.
Income protection comparison through LifePro has no broker fee and there is no obligation to buy. You provide details such as your age, income, health and occupation; we compare available policies and explain the options. If you choose a policy, the insurer pays us commission.
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.
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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Compare income protection quotes with no broker fee and no obligation
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