Rated 'Excellent' 4.8/5 (4,426+ Reviews)

Compare Income Protection Insurance

No More Sick Day Stress — Get Covered Now.

Rated 4.8/5 (4,426+ Reviews)

Compare Sick Pay Insurance Quotes

When illness or injury prevents you from earning, our income protection policies ensure your financial security. Get a tailored policy that covers your essential income and keeps you worry-free.

Pays a percentage of salary if can't work
Covers short-term or long-term absences
Tax-free payouts directly to your account
Built for all employments types
Pays more than SSP (Statutory Sick Pay)

Rated 'Excellent' 4.8/5

Start Your Quote Today

How To Get Income Protection?

1. Enter Your Details

Provide your information through our life insurance quote platform or reach out to us directly at 0161 823 1733. Our dedicated team is ready to help.

2. Review your options

We’ll contact you to review your options, highlight the best deals, and ensure you select the life insurance plan that fits your needs perfectly.

3. Complete your purchase

A complete hassle-free process from start to finish—we take care of everything, including setting up your policy and providing full aftercare once you're covered.

Call for a quote today

0161 823 1733

Why Choose Insure My Life?

Our commitment to your security ensures you’re covered when it matters most.

Compare Multiple Providers

We have access to leadings markets and expert advise allowing us to provide exclusive options not always found online.

Guaranteed Income Support

Receive up to 70% of your regular income if you can't work.

Highly Rated

Internal dedicated help from experts in all protection options, rated by over 4,426+ customers

Covers Injury And Sickness If You're Off Work.

Pays More Than

Statutory Sick

Pay

Relying solely on statutory sick pay (SSP) can leave you struggling to cover your expenses. At just £116.75 per week for up to 28 weeks, SSP often falls short of meeting everyday financial needs. That’s where income protection steps in — offering a reliable safety net that ensures your income is maintained when illness or injury prevents you from working.

With an income protection policy, you can receive up to 70% of your regular income tax-free. Unlike SSP, which may not cover essentials like rent, mortgage payments, utility bills, or groceries, your income protection payout is designed to keep your finances stable. Whether you’re self-employed, employed without comprehensive sick pay, or running your own business, our policies adapt to your needs, offering a financial cushion when you need it most.

Who Typically Buys Income Protection?

Self-employed & freelancers

No employer sick pay? Get a reliable backup.

Employees without sufficient sick pay

Top up your workplace sick pay.

Homeowners & renters

Ensure your mortgage or rent is covered.

Parents & caregivers

Provide financial security for your family.

It's not just an insurance policy...

Annual price and policy reviews

We’ll assess your plan to make sure you’re paying the right amount for your needs—nothing more, nothing less.

Access to bespoke protection policies

Having access to leading providers allowing us to compare prices for and find the right solutions for your needs.

Tailored advice, every time

Many people accept standard prices from comparison sites, leaving them with generic policies that offer limited protection. At Insure My Life, we provide customised coverage designed to meet your specific needs.

More than just a policy

When you choose us, you’re more than just a customer—you’re part of our family. Enjoy tailored aftercare and exceptional service at every stage.

Rated 'Excellent'

Each quote is customised to your specific needs, ensuring you get the right cover for your situation.

4.8 Rating 4,426 Reviews

G

Gwendolyn

I am very happy with the service Red Star provide. Everyone I spoke to was very helpful and supportive and knowledgeable. They were always polite and courteous.

H

Hannah

Easy and simple and very helpful staff. I’ve not claimed on anything yet so can’t comment on that but getting it was straightforward.

KH

Kevin H

I had the pleasure of being dealt with by rhys and he was a delight to speak to and very helpful in regards to what i was looking for . The service i received and my insurance policy is perfect thanks again

TT

Tania T

Great service and very honest opinions and advice give! Louis is the only reason I looked into this and thank him very much for all his help and efforts!!! Extremely good with people and most certainly brilliant at his job! Thank you Louis for looking after us!!!!

S

Sean

Friendly team, very flexible and always helpful. I’ve had the best service thanks to Hayley and Nicole who have helped me along every step of the way

BJ

Boban J

Very happy with Louis’s commitment to find the right insurances for me and my wife. Precisely explaining everything and alway gives you are choice.

CS

Claire S

Ryan Price sorted my policy for me. He explained everything very well and I am pleased with the policy I have chosen.

VB

Victoria B

I was advised by Ali Shahin who was extremely helpful and knowledgable. He was understanding of my personal circumstances and tailored the quotes and advice accordingly.

Start With Your Income Protection Quote Today

(4.8 Rating 4,426 Reviews)

Common Questions From Our Customers

How much will I receive with income protection compared to SSP?

With income protection, you can receive up to 70% of your pre-tax income, whereas Statutory Sick Pay (SSP) is capped at £116.75 per week for a maximum of 28 weeks. This means that income protection offers a much higher payout, helping to cover a greater portion of your regular expenses.

How long will I receive income protection payments?

Income protection payments can last for a set period, depending on your policy. You can choose from short-term plans that pay for a specific period (e.g., 1 or 2 years) or long-term options that provide support until you can return to work or even until retirement.

Can I get income protection if I’m self-employed?

Yes, income protection is available to self-employed individuals. In fact, it’s a great option for freelancers and contractors who don’t have access to employer sick pay. This policy ensures you’re covered if you fall ill or are injured and can’t work.

Will my pre-existing conditions affect my policy?

Some insurance providers may ask about your medical history when you apply for income protection. Pre-existing conditions may affect the cost or terms of your policy, but we work with a wide range of providers to find the best solution for you, even if you have existing health concerns.

Is income protection tax-free?

Yes, in most cases, the payments you receive from an income protection policy are tax-free. This makes it a valuable source of financial support if you’re unable to work due to illness or injury.

What is the waiting period before I start receiving payments?

Income protection policies usually have a waiting period (also known as an “elimination period”) before you can start receiving payments. This can range from a few weeks to a few months, depending on the policy you choose. The shorter the waiting period, the higher your premiums may be.

How is income protection different from critical illness cover?

ncome protection provides ongoing financial support if you’re unable to work due to illness or injury, whereas critical illness cover pays out a lump sum if you’re diagnosed with a specific serious illness like cancer, heart attack, or stroke. Both are valuable, but they serve different purposes and can complement each other.

Insure-My-Life.co.uk is a trading style of Red Star Financial Services Limited who are authorised and regulated by the Financial Conduct Authority, ref: 669592. Red Star Financial Services Limited is registered in England & Wales, No: 07129316. Registered office address: Boardwalk, 21 Little Peter Street, Manchester, M15 4PS.

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