Short Term Income Protection

Bespoke cover to replace lost income

Our short term income protection is designed to replace an element of income in the event that your customers are unable to work due to accident, sickness or unemployment. Policies have the potential to be bespoke, so can include some or all of these elements and they can be white labelled where there is a substantial affinity market. The policy will cover a percentage of your clients monthly pay, perhaps enough to cover their mortgage or rent payments or any other debt repayments they might have and enough to ensure they can live comfortably if unable to work.

Our products are globally rated against the level of cover required and there is no medical underwriting making the application process quick and hassle free.

For full details of the benefits, exclusions and limitations of the cover available, please see the sample policy documents below. Please read this carefully to ensure the cover is suitable for your customers demands and needs.

To discuss our Short Term Income Protection proposition please contact us:

Mathew Edwards
Business Development Manager - Protection          

If you need help with your policy, please call us on 0330 1348500. 

Product literature

The latest version of the product literature is available to download above. If you need a version prior to those shown or need any other information about our products please contact your broker.


  • Cover available up to £2,000 per month or 60% of your gross monthly salary
  • Choice of Accident, Sickness and Unemployment, or Accident & Sickness only cover
  • 14 and 30 day deferred with optional Back to Day One cover
  • Limited exclusions


  • Competitive premiums
  • No underwriting and easy to apply
  • Hassle and form-free claims process
  • Benefits paid directly to individuals account
  • Premium payable monthly by Direct Debit