Income protection

[TheAntisocialButterfly]

I'm looking at getting some income protection.

Can anyone recommend a particular company or is it all much of a muchness?

I use Aviva, it’s not cheap but the protection is very good.

I got this after speaking to a financial advisor who said I was well planned for if I died, but not if I got ill and couldn’t work! I reflected on that and could see they were right. I’m protected now if I get sick and can’t work

Read the policies very carefully before choosing. I believe some (probably the more expensive ones) kick in when you can't do your current job to maintain your income; others, only if you can't do any work at all, no consideration of maintaining income, so would expect you to not be able to do a drastically downscaled/part time role (with greatly reduced income) before they pay out, making your years of contributions potentially a waste of money.

I always use a broker for health related policies, so I can ask her direct questions and she can find the answer, instead of me dealing with impenetrable long T&Cs. I always assume insurance companies are out to trick me ha.