Income Protection pays out a monthly amount, equivalent to a client’s monthly salary, if they’re unable to work due to incapacity or illness. It will pay out until they’re either able to return to work, or the policy comes to an end. Income Protection from VitalityLife comes with several unique features, including the Recovery benefit where they will pay help towards the costs of rehabilitation up to a maximum of £2,000, and the Back to Work benefit where they’ll pay clients a bonus once they’ve returned to work.

VitalityLife also offers Short-Term Income Protection, which is a cheaper alternative that will pay clients for up to two years if they’re unable to work.

* There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk