How do I compare income protection insurance in the UK?
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In short: Compare definition of incapacity (own occupation vs any occupation), waiting period, benefit period, cover level and premium type — align waiting period with employer sick pay and prioritise own-occupation cover if you have a specialist role.
Last reviewed:
Reviewed by Kaiser Khan
Cheaper quotes often use weaker incapacity definitions — read policy summaries.
Benefit period to retirement costs more than 2- or 5-year cover.
See compare income protection guide.
Primary source: abi.org.uk/products-and-issues/topics-and-issues/protection-insurance
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