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Your monthly income before tax is the average monthly gross taxable earnings for the 12 months preceding the start date, the date of any amendment to your monthly benefit or the start date of a claim. Or if you are self-employed the monthly average of the annual income that you declared to HM Revenue and Customs.

The monthly benefit is the cash benefit that you would receive on a monthly basis in the event of a claim. You choose the amount you would receive, up to a maximum of £1,500 a month or up to 50% of your monthly income (before tax), whichever is lower.

The waiting period is the number of days you would need to be continuously incapacitated and off work before the benefits are paid. The longer the waiting period you choose, the lower the premium you will pay

Income Protection Cover is only available to persons who are aged 18 to 60 at the start date of their cover.

To be eligible to apply for this cover you must be a UK resident, aged 18 to 60 and in permanent employment for more than 16 hours per week either as a permanent employee or under a fixed-term contract for a fixed duration or a specific task. This cover is not available to the self-employed.