Income Protection

Income Protection Solutions - from a name you can trust

Norwich Union is one of the UK's leading names in insurance, including Healthcare and Income Protection. We have been providing Income Protection insurance since 1947 and our experience means we understand your needs, responding with products and processes to match your expectations.

With over 169,000 Income Protection customers and payments of over £25 million in policy benefits each year, our Income Protection team is one of the largest and most experienced in the market.

We are committed to remaining at the forefront of the Income Protection sector and are constantly innovating in response to your needs. All this, combined with our proven expertise in the Private Medical Insurance market, means we deliver what we promise, when you need us to.

Are you protected against the unexpected?

If illness or injury prevented you from working, how would you cope with the resulting loss of earnings? The bills still need to be paid and your outgoings don't stop just because your income does.

Our Income Protection plan is designed to help protect your financial commitments, with tax-free monthly payments¹ should you be unable to work due to illness or accidental injury which results in a loss of earnings.

Is Income Protection right for me?

There are a number of scenarios where people can benefit from an Income Protection plan from Norwich Union Healthcare, including:

• Those with family responsibilities

• Home owners looking to protect mortgage payments

• Anyone with regular monthly outgoings, such as loans, credit card payments, council tax and other bills

• Self-employed people whose income is entirely dependent on them working

• Those with full-time household duties, who may need to pay for help with things like childcare if they are incapacitated.

Will you really need it?

No-one likes to think they'll lose their income through illness or injury - but it does happen. Last year, there were over 2.4 million people aged between 18-64 claiming incapacity benefit².

Of those, over 80% were claiming for more than 6 months and 40% claiming for more than 5 years². What if you'd been one of them?

What types of conditions are covered?

Norwich Union's Income Protection plan covers you for illness or accidental injury. This includes some of the UK's most common health problems such as cardiovascular, orthopaedic and psychiatric incapacity.

Even if you think none of these will ever apply to you, the statistics are worth considering:

• According to the British Heart Foundation, around 2.6 million people suffer from heart disease annually.

• Figures from the Chartered Institute of Physiotherapy show that over 4.4 million people received physiotherapy for back or joint problems in 2005 - and the figure is rising year on year.

• The NHS states that 1 in 4 people will experience mental health issues in their lifetime.

Ready to find out more about how Income Protection Solutions from Norwich Union Healthcare can help you?

¹ Under current tax rules
² Department of Work and Pensions, April 2008