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Income Protection


Defaqto 5 Star rated protection to suit a wide range of clients’ needs

Main features of our Income Protection plan:


  • Replaces up to 70% of your client's pre-incapacity income.
  • For both the employed and self-employed
  • No loading of premiums
  • For any reason, including occupation, smoker status or BMI up to 38
  • Interactive underwriting
  • Aims to give a same-day decision on your client's plan
  • Career break option
  • Of between three and 24 months, where the client’s cover and premiums are suspended, but the plan remains in-force.
  • Short and long-term cover
  • Your client can choose between our two-year short-term or regular long-term cover, with flexible waiting periods
  • High claims paid rate
  • We’re proud to have paid 95.8% of all new claims in 2018
  • Working Person’s Benefit
  • Tops-up your client’s income if they return to work on restricted duties
  • Guaranteed Insurability Option
  • Allows your client to increase their level of cover when certain life events take place

Further information

For more information on our Income Protection plan please click here to visit our Product Literature page or call our Business Development Team on 0161 495 6495.