Income Protection

Peace of mind knowing your income is covered if you were unable to work through sickness or injury.

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What is Income Protection cover?

Income Protection can help ease the financial stress you may feel, should you become diagnosed with an illness or suffer from an injury and are unable to work – giving you and your family a helping hand and ensuring the bills are paid whilst you can focus on the things that really matter.

You chose the amount of the benefit you require. This will relate to your income, how soon you would like the benefit to start, should you find yourself in this situation, and how long the cover should last.

Do I need Income Protection cover?

If you have financial dependants or have a mortgage that would result in you and your family struggling if you encountered a loss of income, you should consider Income Protection.

With Income Protection cover, if you were to suffer from a loss of income due to an illness or injury you can select your payments to be deferred by 3, 6 or 12 months to enable you to take into account any other benefits such as employers benefits..

You can cover yourself with Income Protection up to the age of 65 and the minimum cover period is five years. The benefit is received as a tax-free annual income and Waiver Of Premiums is included.

Income Protection is only available under our Personal Insurance Plan.

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What's included?

Incapacity due to illness or injury cover

Cover provided for a minimum of 5 years up to age 65

Waiver Of Premiums included

Personal Financial Advice, face-to-face or video appointments

Claim payment deferred options of 3, 6 or 12 months


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Finding the right protection for you

Our protection products are designed with clear straightforward terms - and we will be there to offer you a bespoke solution to meet your specific needs.

a mutual organisation whose Purpose is to enrich family and community well-being. We look after our members by helping them save for the future, protect their families, as well as by actively giving back and making a difference in the communities they live in.

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Personal Insurance

Key Features
Terms and Conditions


Get your insurance quote

Our Financial Advisers are on hand to take you through your options and help determine the level of cover you are looking for and will provide you with an insurance quote. There is no charge for protection advice.

Contact a Financial Adviser

Want to discuss your finances? Request a Financial Adviser