Income Protection

Short or long-term absence from work due to illness.

None of us can predict when  sickness may strike or how serious it is – but there’s a simple way you can get peace of mind.

Short-term sickness cover (lifestyle)

Our Lifestyle Cover insurance is a Short-Term Income Protection insurance policy that runs for 12 months and has to be renewed every year. It can help you to maintain your standard of living if you can’t work due to an accident or sickness.

You could receive up to 65% of your gross monthly income for up to 12 months, protecting more than just your mortgage or rent payments and helping you to meet your other financial commitments.


  • We pay the monthly benefit direct to you.
  • It protects more than just your mortgage or rent payments.
  • You can cover other financial commitments such as: your phone or utility (gas, electricity and water) bills, childcare or gym membership.

Important information

There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income. Our Lifestyle Cover insurance typically costs £4.71 a month for every £100 of monthly benefit. This is based on a 36-year-old customer choosing £850 of accident, sickness and unemployment monthly benefit with claims paid after a 30-day deferred period.

The cost of this insurance depends on a number of factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.

Longer term Income protection

Many people may have protection cover in place to help protect a mortgage or a loan. But the mortgage isn’t usually the only payment we need to make each month. What about helping to cover everyday bills and expenses? Utility bills, food shopping, travel costs, childcare…the list could go on. Take a moment to consider all the other things you pay for on a monthly basis, and do so without really thinking about it.

If you were unable to work, and were not receiving the income you’re used to – how would you continue to pay for these things? How would your life change?

Help protect your income in case at some point in the future an illness or injury prevents you from working, resulting in loss of earnings. This monthly benefit can be used in any way you wish such as towards income replacement, mortgage payments, monthly expenses, medical care, maintaining your lifestyle and much more.

Unlike the cover above, income protection will continue to pay out until you are well enough to return to work or retirement.

Critical Illness Cover

You’ve probably heard the term, but what is a critical illness?

Broadly speaking, a critical illness is a state of severe ill health, which is very likely to affect a person’s lifestyle. Illnesses such as cancer, strokes or multiple sclerosis (MS) are amongst the more commonly known critical illnesses.

If the worst does happen, it’s important to make sure you’re financially protected against the impact a critical illness could have on you and your family. Critical illness cover can be added at an additional cost when you take out life insurance, which starts from as little as £6 a month.

Our critical illness cover at a glance:

  • Cash Sum – Critical Illness Cover is designed to pay out your chosen amount of cover if you’re diagnosed with a specified critical illness that we cover during the length of your policy. It can be added when you take out life insurance, at an additional cost.
  • Additional Benefits – Additional Benefits such as Children’s Critical Illness Cover included at no extra charge.
  • Fixed premiums – Your premiums won’t go up, unless you alter your policy, so you’ll always know how much you’re paying.
  • Second Medical Opinion service – An independent Second Medical Opinion service is available in the event of a claim. This service offers a face to face medical consultation with a Consultant Specialist and supporting medical report. Any alternative diagnosis may be used to support a claim.

This is not a savings or investment product and has no cash value unless a valid claim is made. Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing. The critical illnesses covered include heart attack, cancer and stroke. However, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms.

Why choose Legal & General?

Last year Legal & General helped over 2500 people and their families and paid out £161 million in Critical Illness Cover claims.