Income protection

Protection insurance explained

  • The types of protection insurance available
  • What each insurance policy covers, and doesn't cover
  • The best ways to buy an protection insurance policy

What's in this guide

What is protection insurance?

How to choose the best protection insurance policy, including income protection, health insurance, life insurance and mortgage insurance.

Income protection

Income protection pays out if you're unable to work due to sickness or accident. It's a key protection product that most working adults should consider.

Life insurance

There are two main types of life insurance: term assurance and whole-of-life. We explain the differences and how to buy it.

Critical illness cover

Critical illness cover (CIC) pays out a cash lump sum if you're diagnosed with one of a number of listed critical illnesses. We explain the key details.

Mortgage payment protection

MPPI covers your mortgage payments if you're unable to work due to accident, sickness or unemployment. We explain how.

Payment protection insurance (PPI)

Find out what payment protection insurance (PPI) covers and how to put in a complaint if you think you've been mis-sold a policy.

Private medical insurance (PMI)

PMI, or 'health insurance', covers you for essential treatments like surgery, consultations, nursing and hospital care. But is it worth buying?

Protection insurance from your employer

Income protection and life insurance through your employer can be cheaper for you and boost your employer's staff retention. It's worth asking.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.