personal accident and sickness insurance cover
Save Money On Income Protection Insurance!
With cover starting from 69p per day, keep your finances stable while you recover from an accident or critical illness.
- Protect your home, family and lifestyle
- Cover up to 70% of your monthly gross income
- Protect your income against accident and critical illness
- We'll compare market leading insurers to save time & money
- Same day cover available from £0.69p per day
- Your future self will thank you, get cover today
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We'll help you compare the UK leading insurers.
Why protect your income?
If you’re unable to work due to an illness or accident, income protection insurance can help cover your outgoings. Removing the worry about paying the bills if things go wrong, income protection insurance enables you to focus on recovery or finding a new job.
To Save You Time We’ll Compare The UK’s Leading Insurers For You
Discover the best personal accident and sickness insurance cover tailored from the entire UK market.
There are many personal insurance options available that can be customised to suit your specific needs. In the event of illness or an accident, this cover will provide you with a tax-free monthly benefit to assist with expenses such as mortgage/rent payments or household bills, ensuring that you and your family are protected.
This cover is suitable for part-time, full-time, and self-employed individuals, and it protects your income, home, and family. You can protect your income against accidents and sickness, and we will compare the entire UK market to save you time and money.
With the option to cover up to 70% of your gross monthly income and specialised advisors for high-income earners, you can rest easy knowing that you will be covered until you make a full recovery.
Starting at just £0.69 per day, this coverage is a small investment in your future that your future self will thank you for.
Our UK-based team provides unbiased financial advice and free quotes from real experts.
Why work with us?
Great advice, great service, and quality guaranteed.
Lightblue Online was set up to provide specialist help to people unsure how to go about choosing from the many Protection products available. For example, some policies will require a medical whilst others may not and Income Protection underwriters do not use a set list of conditions with many insurers operating without standard exclusions. So it’s important to make sure that if you’re buying a policy it’s the right one for you.
Our specialists will help you to navigate all the options to find the cover that is right for you and your family at an affordable rate.
If you’re unsure what you need then contact us either by phone on 01702 820 771, by email at enquiries@lightblueonline.com
Accident and Sickness Options
Accident and Sickness Options
As with all things the more options you choose the higher the price. Income is no different and different insurers load the options differently. It is therefore important to determine what you need and what you would like so we can find the best Accident and Sickness policy available to you in the market place. Below are some of those options.
Deferred Period
The number of weeks or months you can survive on, for example, your savings or company sick pay before you need to receive the income from the insurer. The longer the period the cheaper the cost.
Payment Period
Typically 12 or 24 months or for longer-term policies, if you are unable to return to work, up to your selected retirement age. The shorter the period the cheaper the cost.
Level or Indexed
‘Level’ means that the amount you receive will remain the same throughout the time you have the insurance regardless of whether your income or expenditure increases. Alternatively, the amount you receive can increase each year in line with inflation using either the retail price index or the consumer price index. With some insurers, this can be declined on an annual basis.
Guaranteed
Guaranteed premiums would suggest that what you pay stays the same throughout the policy term unless you increase the required income amount. For some policies this is true, you pay the same amount month after month until the policy ends. For others its guaranteed to increase based on a rate table which means the price you pay in the future for each £1 is guaranteed to go up each year at the rate set out in the guaranteed rate table sent with your policy. You can, therefore, calculate what your premiums will be in the future..
Reviewable
If your premium is not guaranteed then the premiums can change each year due to age or changes to your health. Reviewable policies usually start cheaper than guaranteed policies, but they may end up being more expensive.
Waiver of Premium
If Waiver of Premium is selected then when you begin receiving an income from the insurance policy the premiums no longer need to be paid until you return to work or your selected pay-out period is reached.
Back to Work Benefit
Receive a percentage of your income if, on returning to work, the illness or injury you claimed for restricts your duties and you earn less. Some insurers will also pay a top-up should you start a different occupation that pays less.