• Provides regular payments that replace part of your income if you’re unable to work due to illness or an accident

• pays out until you can start working again – or until you retire, die or reach the end of the policy term – whichever is sooner

• typically pays out between 50% and 65% of your income if you’re unable to work

• covers most illnesses that leave you unable to work – either in the short or long term (depending on the type of policy and its definition of incapacity)

• can be claimed as many times as you need to while the policy lasts.

• There’s often a pre-agreed waiting (‘deferred’) period before the payments start. The most common waiting periods are 4, 13, 26 weeks and a year. The longer you wait, the lower the monthly premiums.

• It’s not the same as critical illness insurance, which pays out a one-off lump sum if you have a specific serious illness.

It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference.

For business owners, we offer executive income protection. An Executive Income Protection plan pays a monthly benefit to the business when an employee is absent because they're unwell or injured. The monthly benefit the business receives in the event of a valid claim, can be used to help fund the employee's ongoing sick pay.