Protect your income if sickness or serious injury stops you from working

Losing income for any period of time is hardly ideal for anyone, but it can be especially strenuous if you have bills to pay and dependents within your family that rely upon your income. 

90% of UK are not covered by Income Protection*

What is Income Protection?

Income protection (IP) is an insurance policy that pays out if you’re unable to work because of injury or illness.

IP usually pays out until retirement, death or your return to work. IP will not pay out if you’re made redundant – but they will often provide ‘back to work’ help if you’re off sick.

Why do I need Income Protection?

Almost everyone suffers from sickness from time-to-time, meaning that they have to take time off work while they recover. That’s fine if you only have a week or two off sick, but if you were off sick for longer, or were never able to work again due to serious illness or injury, how would you pay your bills?

Regardless of whether you have children or other dependents, if you think you would struggle to cover your living costs if you couldn’t work, you should have income protection insurance.

Income protection insurance is especially important if you’re self-employed or you don’t receive sick pay if you can’t work.

The cost of income protection

Income protection insurance premiums vary widely depending on the type of policy you take out, the benefits it offers, and your circumstances. Other factors that will impact on the premium include:

  • Your age
  • Your occupation
  • Whether you are a smoker or have ever smoked
  • The percentage of your income you want to cover
  • The waiting period before the plan pays out
  • The range of injuries and illness covered by the insurance

Every year almost one million UK employees find themselves unable to work because they have become ill or suffered an injury**

Is the chance of long term absence from work higher than you think?^


risk of death before age 65.


risk of suffering serious illness.


risk of being unable to work for 2 months or more.

20% of workers take at least 3 months off work due to sickness or injury^^

Talk to Crystal Financial

Crystal Financial helps customers to protect the things that is most precious to them by providing a range of financial products.

Our products cover the whole of the market, ensuring you will be receive the best value for the cover you require. All with no-obligation and no pressure.

As part of the Crystal Group, we have helped over 50,000 customers and have a 4.6 / 5 customer service rating from independent reviews on Feefo.

Request a Income Protection Quote Today

FREE Income Protection Quote

Simply fill in this quick form and one of our friendly and professional advisers will call you back.

* By submitting this form, you indicate your consent for Crystal Group to contact you via the information provided in this form. For more information about how we use your information please read our privacy policy

For friendly and professional advice call us today on 01270 44 66 00

Crystal Legal Services Ltd, Gawsworth House, Westmere Drive, Crewe, CW1 6XB.

Crystal Legal Services Ltd is a claims management company Authorised and regulated by the Financial Conduct Authority.


Company registered in England and wales. Company registration 6837474. Registered office: Fairfield House, Back Lane, Spurstow, Tarporley, Cheshire, CW6 9TE.

Crystal Group does not provide any financial advice. Crystal Group is authorised and regulated by the Financial Conduct Authority as an Appointed Representative of Dragon Insurance Brokers under registrtaion number 599430.  The quotes provided are based on the information you submit to us. Our service is free and you are under no obligation to accept any quotes you receive.