Income Protection Insurance covers most illnesses and injuries that stop you working either in the short or long term – however, it doesn’t pay out if you’re made redundant. Here’s how policies usually work:

• It replaces part of your income if you become ill or disabled and can’t work

• Income protection covers you until your return to work or until retirement, death or your policy ends -whichever is sooner

• You can claim as many times as you need to - while the policy lasts

• Your occupation 
• Your age
• Your health
• The length of the policy you want to consider
• How much cover you would want or need