Nobody wants to worry about how they'll pay their mortgage, rent or bills if they're sick or injured and can't work.

Our Income Protection plans can help you rest a bit easier, safe in the knowledge that you'll still get an income if you're off work because of illness, injury or a terminal illness.

We cover up to 65% of the first £15,000 of your pre-tax earnings, plus up to 55% of the remainder, up to £250,000 a year. And if you're self employed, you can also include certain regular fixed overheads such as business rental costs.
We also include fracture cover and hospitalisation payment as standard.

Remember that these plans don't have a cash-in value at any time and if you stop paying your premiums your cover will stop.

Some benefits of our Income Protection


You can claim if you can't do your own job due to illness or injury, and meet our definition of incapacitated.

Help returning to work

When you're ready to return to work, we could give you a payment to help cover any initial costs. 

A Helping Hand with your day-to-day

Our tailored Menu Plans come with our Helping Hand support service, designed to help you maintain a healthy lifestyle and be there for you during difficult times.

Woman pushing child on swing

Helping Hand

With a Royal London Menu Plan, you’ll have access to our Helping Hand support service.

Helping Hand includes a wellbeing support service, designed to help you maintain a healthy lifestyle. It gives the plan owners online access to a range of hand-picked early care medical services, so you have the help and advice you need to stay fit and healthy and help stop small health issues becoming a big problem.

A Helping Hand with recovery

If you (the plan owner), or your partner and children, are going through a difficult time, such as a serious illness, injury or bereavement, Helping Hand will also be there to offer support – even if you don’t make a claim. You can contact RedArc, who’ll give you access to a dedicated nurse. They’ll provide tailored and personal support whenever it’s needed, for as long as it’s needed.

Helping Hand is a package of support services and each service is provided by third parties that aren’t regulated by the Financial Conduct Authority or the Prudential Regulation Authority. These services aren’t part of our terms and conditions and don’t form part of your insurance contract with us, so can be amended or withdrawn at any time. This means that you or your family’s access to these services could be amended or withdrawn by us in the future.

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Waiver of Premium (Sickness)

Waiver of Premium (Sickness) is automatically included when you choose Income Protection.

This means if you have an accident or illness that leaves you unable to work or carry out a number of tasks, you won't have to worry about your monthly policy payments as we’ll pay these for you. You can decide the amount of time between you stopping work and us paying your premiums. The choices are 4, 8, 13, 26 or 52 weeks.

Find an adviser near you

If you think that our Income Protection could be right for you the next step is to speak to an independent financial adviser. There are many benefits to independent advice.

Find out more about the value of advice