one2protect Income Protection

In a nutshell

An income protection plan that pays you an income if you are unable to work due to illness or injury that is tailored to individual needs.


People who work in lower risk occupations, like professional or administrative roles.

Plan basics

An essential purchase

Our premiums start at £5 a month.

5 Year Premium Guarantee

Guaranteed for the first 5 years, then reviewed annually.

Automatic Benefit Guarantee

Guarantees your benefit up to £1,500 per month

Employed, Self-employed or Company Director

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

Covers illness, accident and injury

Our Plans cover you whether you get ill or have an accident or injury - wherever it happens.

Unlimited claims

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

Three things to be mindful of

1. This Plan has no cash in value

If you stop paying your premiums your cover will cease.

2. Plan Benefits may affect State Benefits

You should discuss with your Adviser how any state benefit may affect the cover you need.

3. What's not covered

This Plan does not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.

Flexible options to suit your needs

'Deferred Period'

You can choose how long you have to wait before we pay an income. This means you can choose 1, 4, 8, 13, 26 or 52 weeks to match the benefits to the sick pay scheme provided by your employer.

Choice of Plan term

You can choose any age between 50 to 70 for the Plan to end.

Level or escalating cover

You can choose to have a level benefit or for it to keep pace with inflation.

Room to move

We know that circumstances change – so you can increase or decrease your cover.

Premium holidays

You can stop paying your premiums for up to 6 months if you are made redundant, go travelling or are on maternity or paternity leave after you have had your plan for 3 years.

Hazardous pursuits

You can include or exclude these – and we’ll review them if your hobbies change so you’re not paying for something you no longer do.

With great support

Member Assistance Programme

We don’t just hand over cash, we offer a helping hand to help you get back to work from practical advice to rehabilitation. Read more

Rehabilitation benefit

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

Proportionate benefit

If you claim 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 your reduced income.

Things to consider

Who is this Plan for?

You qualify for this product if:

  • You are between 18 and 59 years of age.
  • You select a term of at least 5 years your Plan end date.
  • You work in an occupation that we’ll quote for
  • You need to be employed, or if you’re self-employed you need a trading history of 6 months.
  • You’re normally working for at least 16 hours a week when you apply.
  • You’ve resided in the UK for the last 3 years, and been registered with a UK GP for the last 3 years.
  • You have no immediate intention to change your job or move abroad.
  • You have a UK bank account.
  • You are an income taxpayer in the UK.

Things to be aware of

  • Our Plans do not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.
  • Our Plans do not cover you for pre-existing medical conditions. However, new conditions arising are covered for the duration of the Plan.

For further details, please refer to the Key Features Document.

How to buy

To make sure you get the Plan that's absolutely right for your needs, we always sell through Advisers.

Find an Adviser right for you:

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Want more detail?

short term pdf cover

Downloads for one2protect Income Protection Plan

Key Features DocumentOpens in new window ScheduleOpens in new window

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