Income Protection is a Back-up Plan

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Income Protection pays a replacement income if you're unable to work due to long-term illness or injury. It's a Back-Up Plan.

How can we help you?

Employees

Employers

Advisers

Income Protection is a

What is it?

If you're off work long-term because of illness or injury, Income Protection replaces a significant portion of your monthly pay cheque.

Why do I need it?

With 11% of people in their working life having to take 6 months or more off work due to illness or injury (Unum/Guardian poll, 2011), it’s worth thinking about.

How do I get it?

The easiest way is through your employer. We can help you raise the subject.

Your workers have changed in the last 30 years

Today’s workforce is older, more feminised and includes more disabled workers than in the 1980s.

You probably employ more women and older workers

Female participation has increased by 12% (to 66%), and the number of people working past state retirement age has almost doubled.

Do your employee benefits reflect this change?

Take a look at Cass Business School’s latest report to find out whether the benefits you offer match the protection required by today’s workforce.

What do your clients’ employee benefits look like?

If they’ve not reviewed them for a while, they could have a mix of historic benefits that aren’t giving them the most value for their money.

Need a quick way to review them?

Giving an indication of how changing the levels of each employee benefit could affect your clients’ overall budget has always been an issue. Our Benefit Balancer tool can help.

Use our Benefit Balancer tool

Our easy-to-use Benefit Balancer tool is a quick and simple way to show your clients the possibilities before introducing quotes.

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