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How can I buy an income protection insurance policy?

So you know what income protection insurance is, how it works and why you might need a policy, and you want to take that next step and look at getting a policy for yourself? We’re here to help!

Can you buy income protection online?

Yes, and while doing your own research online is a great place to start, we’d always recommend chatting to a qualified financial adviser if you want to build a policy to meet your personal needs and that you can be confident will pay out when you need it to.

Do I need a financial adviser?

Financial advisers really are experts in money! They know the financial markets and they really understand how different products work and so they’re able to recommend the best financial products for you – and that includes income protection insurance!

Cheaper doesn't always equal better when it comes to insurance (in fact, when does cheaper EVER equal better?!) and there are lots of different income protection features to think about. That’s where a financial adviser can help – building a personalised policy that’s within your budget.

Plus, financial advice around income protection insurance is usually FREE, so you don’t have to worry about any extra costs!

How do I get a financial adviser?

You can go the traditional route and ask for recommendations from family and friends. That way, you know you can trust the financial adviser you’re dealing with (sometimes, word of mouth is the best advertisement right?).

Or you can head to Google to find one - there may be some in your local area that you could meet face-to-face (if you’re sick of all the virtual meetings!) . Check out trusted websites like or too!

But for those looking for an easier life (*hands up emoji*), we’ve partnered with Caspian insurance, an expert team of financial advisers who are providing free support on all things income protection insurance! They have a tool which calculates the cost of income protection insurance for you, and they have a team who can help you build the right type of policy based on your finances and personal circumstances.

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