Income Protection vs Critical Illness

Not sure whether you need income protection or critical illness cover? Compare how each works and get income protection quotes from leading UK insurers.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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Income Protection provides cover if you can't work due to accident or illness. It does not cover redundancy or unemployment.

Let's check your eligibility first*

You need to work 16 or more hours per week to qualify for Income Protection

Yes, I work 16+ hours per week

No, I work less than 16 hours

How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

33p

Per Day*

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

Two Very Different Types Of Protection

Understand what each policy actually pays before you choose.

Monthly Income vs One Lump Sum

Income protection pays a regular tax-free monthly amount for as long as illness or injury keeps you off work. Critical illness cover pays a single lump sum if you are diagnosed with one of the specific conditions listed in the policy.

Broad Cover vs Listed Conditions

Income protection covers almost any accident, injury or illness that stops you doing your job — including back problems and mental health, the most common reasons for long absence. Critical illness only pays for the defined conditions on the insurer's list.

Many People Combine Both

The two products solve different problems: one replaces your salary, the other clears big costs like a mortgage after a serious diagnosis. Our brokers compare leading UK insurers to find the right mix for your budget.