Income Protection

Great value Income Protection Insurance!

Have you ever thought about how you would cope financially should you become unemployed; suffer an accident or illness resulting in you being unable to work? With Protect your bubble's competitive Income Protection Insurance you can have the peace of mind that should the unexpected happen we will be here to help. There are two products we offer which can provide the protection you are looking for - or for ultimate protection you can purchase both policies together to compliment each other.

Income protection insurance can also be known as income replacement insurance, Accident insurance, Sickness insurance, disability insurance or unemployment insurance depending on the type of cover you are looking for. At Protect your bubble we offer two types of cover that can be purchased independently or together depending on your needs.

Unemployment and Income Protection (Sickness) Cover - Short Term Policy

With Protect your bubble our  Unemployment and Income Protection Insurance helps to cover your financial outgoings for up to 12 months in the event that sickness, accident or involuntary unemployment prevents you from working. You can be covered for up to 60% of your gross monthly salary up to a maximum benefit of £1,500 a month in total.

If you do make an unemployment claim on your policy you will be provided with ‘Back to Work' support which includes a CV review service and employment workshops.

The monthly plan can continue up to the age of 65 or to a point that you retire or decide you do not need the cover anymore.

The monthly premium may be reviewed during the policy term, but we will always give you 30 days notice on any policy changes. You can not make a claim for unemployment within the first 120 days of your policy and you can not claim for any illness or unemployment you knew about prior to taking out the policy. The policy is administered by Direct Life and Pensions and underwritten by Pinnacle Insurance plc. You can get your immediate accident, sickness and unemployment quote today!

Income Protection (Sickness cover) - Long Term policy

With Protect your bubble's Income protection (accident and sickness only) benefit is based on a maximum of 65% of your annual personal taxable income up to £60,000 plus 40% of any income above this. Should you be prevented from working following an illness or accident you will receive a monthly income until you are able to return to work, retire or the insurance policy comes to an end.

If you were to select this cover type you can also choose from different ‘deferred start periods'- If you benefit from employer sick pay arrangements, you may not need your benefit payments to begin right away. You are in control of when you want them to start, and the longer the deferred period, the cheaper your monthly payments. You can of course choose back to day one cover. With this type of cover benefits will be paid from your first day off work, if you are still unable to work at the end of the wait period.

Premiums are reviewed yearly and are likely to increase in line with your age, but you will not have to provide any further medical details for cover to continue. This Insurance is underwritten by Pioneer and administered by Direct life and Pension on behalf of Protect your bubble.

Combined Short Term and Long Term Income Protection

This policy is a combination of both the above Accident, sickness and unemployment and Income Protection policies.

If you select both policies to work in conjunction with each other the short-term policy (unemployment and sickness insurance) will commence from day 1 (You can not make an unemployment insurance claim for the first 120 days of your policy). The Long Term policy will be deferred by 52 weeks so you will be able to claim on your long term policy immediately after your short term policy expires (subject to meeting the insurers eligibility criteria).  Note, the long term cover does not include involuntary unemployment protection.

Any enquiries please call 0844 871 1340 or email sales@protectyourbubblelife.com

Get your Income Protection quote for competitive and great value accident insurance, sickness insurance, disability insurance and unemployment insurance and you can buy today! Choose Protect your bubble for competitive income protection insurance - great value cover on a budget. Make sure you are protected with permanent health insurance protection. With your income protection plan you can make sure you have the best income replacement insurance should the un-thinkable happen.