Income Protection For People Who Protect.

Replace your income in the event you can't work due to illness or injury. Monthly benefits which starting paying out in as little 4 weeks!

Up to £150 Cash Back Voucher!

Free Will Writing Kit

And Children's Cover Included!

"Recently used Blue Light Insurance to arrange my Income Protection. It was a painless process that simply involved me answering a few questions and the rest of the work was done for me. No hard sell and came up with several options to get the right balance between sufficient cover without it costing the earth." – David, Trustpilot

Get Quotes Today! Call: 0800 270 0004

Income Protection For People Who Protect.

Get Up To £150 Voucher

FREE Will Writing Kit

Plus Children's Cover

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Replace your income in the event you can't work due to illness or injury!

"Recently used Blue Light Insurance to arrange my Income Protection. It was a painless process that simply involved me answering a few questions and the rest of the work was done for me. No hard sell and came up with several options to get the right balance between sufficient cover without it costing the earth." – David, Trustpilot

Up to £150 to spend at your favourite retailers!

  • Get up to £150 voucher reward when you take out cover through us!
  • This is available to spend at a huge number of well-known retailers.
  • Simply log into our rewards platform and choose where to spend your reward!
  • It's our way of saying thank you, for doing the right thing!
Get Quotes Now
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How our voucher reward works: When you take out Life Insurance, Critical Illness Cover or Income Protection through Blue Light Insurance you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest whole number. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £47.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Reward not available for those who take out Private Medical Insurance or Whole of Life Insurance or for Wills, Trusts, Remortgages or Mortgages.

What is Income Protection Insurance?

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What is Income Protection for?

Income Protection is designed to kick in and replace your income in the event you can't work due to illness or injury. An example would be if you were signed off work due to an injury, mental ill health, or something more serious like cancer.

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Does it work if I have sick pay?

Income Protection policies are actually designed to work alongside employer sick pay. They do this by having what are known as "deferred periods". For example, if your employer offered you 8 weeks of sick pay, then your Income Protection policy would be set up with an 8 week "deferred period". This means it would pay out after your sick pay ends.

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Can I use it if I'm self-employed?

YES! In fact as self-employed people have no employer sick pay Income Protection becomes more important than ever. For self employed people it is best to use the shortest "deferred period" possible. This means when you are off work, you can get your monthly benefit payments to kick in as soon as possible.

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How much will it pay me per month?

You can set up Income Protection policies to suit your personal situation. However one rule is that the monthly benefit can't be more than 60% of your current pre-tax monthly income. This is because your insurance payment won't be taxed, so the amount you will end up with will then be similar to your current income.

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How long does the monthly benefit pay for?

You can choose for the monthly benefit to be "unlimited". This means it would continue paying for the entire policy term (usually to retirement age) if you could never work again. You can also choose shorter payment periods such as 5 years, 2 years, and 1 year per claim. With these options, the premiums are cheaper.

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How many times can I claim?

The best thing about Income Protection is you can claim as many times as you like over the policy term (usually to retirement age) AND the premiums don't change when you make a claim either!

We work with some big names.

  • We're technically known as a "whole of market intermediary".
  • But all you need to know, is this means we can compare most UK insurers, to get you the best possible deal.
  • We work with lots of big names - many of which you will have heard of!
  • But importantly we also work with some lesser-known specialist insurers.
  • This means if you have pre-existing conditions or a risky job, we're best positioned to get you covered!
Get Quotes Now
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Insurance that gives back to you!

We like to reward our customers for doing the right thing...

£150 Cash Back Voucher!


When you take out Life Insurance, Critical Illness Cover or Income Protection you get up to £150 to spend at hundreds of well-known retailers. Does not apply to Private Medical Insurance.

FREE Will Writing Kit


When you take out an insurance policy through us you're automatically eligible for a FREE Will Writing kit, because protecting your family is what we do.

Win Amazing Prizes!


Monthly Giveaways: On some months we offer giveaways and prizes, ask your adviser whether we're running one this month to see if you're eligible!

How our voucher reward works: When you take out Life Insurance, Critical Illness Cover or Income Protection through Blue Light Insurance you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest whole number. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £47.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Reward not available for those who take out Private Medical Insurance or Whole of Life Insurance or for Wills, Trusts, Remortgages or Mortgages.

How our free will kits work: In the event you purchase a policy through Blue Light Insurance you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority

Policies packed full of features.

Wouldn't it be nice if your insurance did more than just cover the worst case scenario? Many of the policies we offer include all sorts of extra benefits including:

24/7 Digital GP Services

Mental Health Support Services

Best Doctors® - Second Medical Opinion

Rewards for leading an active lifestyle

If you want to find out more about additional benefits and services, then just speak to one of our advisers - they'll be happy to help!

Get Quotes Now

Why choose Blue Light Insurance?

1. We've got hundreds of five star trustpilot reviews



Don't just take our word for it, why not check us out on Trustpilot and have a read of some of the great things other Blue Light Workers have to say about us.

3. We're authorised and regulated by the FCA



Blue Light Insurance Solutions is a trading name of Lifetime Financial Management Ltd, who are regulated by the Financial Conduct Authority.

The important stuff.

  • Blue Light Insurance Solutions is a trading name of Lifetime Financial Management Ltd - Authorised by the Financial Conduct Authority (FCA Number - 448415).
  • When you take out cover, you are protected by the Financial Services Compensation Scheme
  • We abide by the Data Protection Act 1998, and the General Data Protection Regulation (GDPR)
  • All phone calls are recorded for training and monitoring purposes.
Read our privacy policy here.
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