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How much does income protection cost?

The cost of an income protection UK plan depends on:

  • Width of cover

  • How much replacement income you want to receive.

  • How many months/weeks/days before payment starts

  • How many months the policy pays out for

  • Extra options bought


Then there are factors personal to you, which affect the priceof an income protection UK plan;

  • Occupation; a manual job will be more of a risk than an office or shop worker
  • Health history ;of you, and sometimes of your family too

  • Smoking; smokers tend to pay more

  • Retirement age; the older you are when you plan to retire, the higher the premium


Not all income protection insurance providers have the same views on the above factors.