This site uses javascript to work. We have detected that you don't currently have javascript turned on.
To continue, please ensure you have turned on javascript in your browser settings.


Our Protect Product

Protect could be right for you if:

  • You’d stop earning, or earn much less, if you weren’t able to work because of an illness or injury.
  • You don’t have enough savings to support you and your family if you couldn’t work and get paid.
  • You wouldn’t get state benefits or they wouldn’t be enough to support your lifestyle.


Key Features

  • Pays you an income while you’re too ill or injured to work. By ‘too ill or injured’, we mean unable to do the main tasks of your occupation, and you lose some or all of your income because of this, and you’re not doing any other paid or unpaid work.
  • You can choose from our options how long you want to wait before your first benefit payment – this waiting time is your ‘deferred period’.
  • You can choose whether your premiums stay the same or go up as you get older.
  • Pays you weekly or monthly into your chosen personal bank account or directly to your mortgage lender.
  • Can pay a valid claim weekly or monthly for a maximum of 1, 2 or 5 years at a time, or until your policy ends.
  • Covers you for a minimum of 5 years until the age you choose – which can be any age from 50 to 70.
  • Premiums increase in line with your age and you can also choose cover that increases each year to keep up with the cost of living, with the option to pause increases.
  • You can ask us to make changes to your policy whenever you want, as long as those changes are allowed by your Terms and Conditions. You can make some changes without having to answer any more questions about your health and lifestyle.
  • There’s no limit to the number of times you can claim and you can claim more than once for the same illness or injury. But there are some restriction if you have a limited benefit period of 1, 2 or 5 years.
  • Gives you the option to add Fracture Cover as an additional benefit at an extra cost.
  • You can add Children’s Critical Illness Cover to new Protect policies. There is an extra cost for this.


To request Protect policy information including the Policy Summary (Key Facts) and Terms and Conditions, please contact our Member Services Team on 01234 358 344 or e-mail

Protect can only be purchased through a Financial Adviser. If you are interested in purchasing a policy, you can find more information about finding a Financial Adviser in your area at