Income protection insurance in the UK provides a regular income if the insured is unable to work due to illness or injury, complementing statutory sick pay and employer benefits. Insurers, advisers, and employee benefits consultants must underwrite occupation, health, and financial circumstances carefully, structure deferred periods and benefit durations to manage long‑tail risk, and invest in proactive claims management and rehabilitation, ensuring that products deliver value while aligning with changing working patterns and regulatory expectations on consumer outcomes.
