one2protect Income Protection

The lowdown

For clients who want the security of income protection to retirement age if accident, illness or injury stops them being able to work and like the idea of guaranteeing their benefit.


Plan features

5 Year Premium Guarantee

Guaranteed for the first 5 years, then reviewed annually.

Automatic Benefit Guarantee

Guarantees your client’s benefit up to £1,500 per month

Optional Benefit Guarantee

Above £1,500 per month, with proof of earnings

Covers illness, accident and injury

Our plans cover your client’s whether they get ill or have an accident or injury.

'Deferred Period'

Your client can choose how long they wait before we pay an income. This means they can choose 4, 8, 13, 26 or 52.

Employed, Self-employed or Company Director

We cover up to 60% of your client's gross income up to £100,000 - and payments are tax free under current rules.

Unlimited claims

Unlimited claims can be made during the lifetime of the Plan.

Refund of premium

We refund premiums while benefits are being paid.

Level or escalating cover

We offer the choice to fix benefit payments at claim or for them to keep pace with inflation.

Premium holidays

Your clients can stop paying their premiums for up to 6 months if they are made redundant, go travelling or are on maternity or paternity leave.

Flexible cover

We know that circumstances change – so they can increase or decrease their cover.

Choice of Plan end date

Choice to end cover between 50 and 70 years.

Hazardous pursuits

Your client can include or exclude these – and we’ll review them if their hobbies change so they’re not paying for something they no longer do.

Proportionate benefit

If your client claims and wish to train for or start new employment at a lower salary, we may provide a partial benefit for up to 12 months to reflect their reduced income. 

Rehabilitation benefit

If your client claims and could return to their pre-incapacity occupation in a part time or reduced role, they may receive additional benefit for up to 12 months to support their transition back to work.

Additional support for your clients

Members get free access at all times to our Member Assistance Programme.


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