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Income protection
Get income support in the event of illness or injury.
Speak to an expert Call for a quote
Enjoy 12 months of Disney+ on us!
Get 12 months of Disney+ (Standard With Ads) when you purchase a new protection policy directly with us.
With blockbuster movies, new originals, and much-loved shows, there’s something for everyone to enjoy.
Stream endless entertainment and relax, knowing we’ve got you covered.
Your subscription starts after you make your first payment.
We can amend or withdraw this offer at any time. Terms and conditions apply.
Check if you can apply
You must:
- be aged between 18 and 59 years old
- work on average over 16 hours per week
- be a UK resident (excluding Channel Islands and Isle of Man)
- have been registered with a UK GP for at least two years.
Things you need to know
- You can receive up to 60% of the first £70,000 of your earnings, and 45% of the remaining amount of your earnings, if they’re over £70,000.
- You can cancel at any time, free of charge.
- You can choose the amount of cover, your waiting period and duration of your policy.
- Income protection doesn’t pay if you’re off work for other reasons, like unemployment or redundancy.
Included at no extra cost
Designed to work for you
There are two ways to get income protection cover.
Level cover
The amount of cover you choose, and the amount you pay each month stays the same for the length of the policy.
This can give you a sense of security that the amount you pay will never change.
Increasing cover
The aim of this policy is to help match increases in the cost of living. Your monthly payment amount will increase over time and so will your cover amount. The amount you pay increases by a slightly higher rate than your cover amount.
We’ll tell you each year how much your cover and your monthly payments will increase by.
Income protection stories
Work out what it costs
How much does income protection cost?
To have a good idea of how much your cover could cost, get a quote from one of our experts.
The average cost can vary greatly depending on:
- your age at the start of the policy
- if you smoke, vape or use nicotine products
- your occupation
- the amount you want to cover
- your chosen waiting period
- the type and duration of cover you choose
- your answers to the application questions.
Speak to an expert to get income protection
A protection expert will speak to you on the telephone and find a policy that works for you.
It’s free and you don’t have to agree to anything on the call.
Call for a quote on 0800 131 0551.
Lines are open Monday to Thursday 9am to 7pm, Friday 9am to 6pm.
Or request a call back at a time that suits you.
Scottish Widows protection products have no cash-in value at any time. So if the policy ends without a claim, you won't get any money back. If you don't make payments on time your cover will stop, your policy will end, and you'll get nothing back.
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