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Can my client apply for My Earnings Protected?
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Your client can apply for My Earnings Protected if....

They are over 18 and have not yet had their 55th Birthday.
They live in the UK.
They are currently registered with a UK Doctor.
They have been registered with a UK Doctor for the last three years.
They are actively working and not employed on a zero hours contract.
They are employed or self-employed earning at least £6,400 per year and working 16 hours or more per week.
Their earnings are taxable in the UK.
They are not awaiting any medical tests or investigations or the result of these. 
They do not work outside of the UK for more than eight weeks in a calendar year.

Download the My Earnings Protected Key Facts Document and Application Form.

My Earnings Protected - A safe way to insure your clients' earnings

  • Guaranteed premiums
  • Introduction of a 1 week deferred period
  • Removal of initial waiting period
  • Introduction of Guaranteed Insurability Options
  • Increased benefit of up to £52,000
  • Only 3 years Doctor Records needed
  • No deductions for state benefits
  • 12 month Relapse Benefit
  • Switching facility for existing My Earnings Insurance Members

Doing More for our Members...

Member Rewards – Your clients will have access to a whole range of discounts/cash back and offers on popular brands and services such as: Apple, Fiat, Tesco and a free telephone legal advice service.
Friendly Voice – We know that serious illness can be worrying, so your client can get long term practical advice and emotional support from their Personal Nurse. A completely free and confidential service.
125 Foundation – commentating our 125th anniversary in 2015, this foundation provides financial support to good causes, benefiting our Members and their communities.
Health & Wellbeing – Members can receive up to 22% off a range of Fitbit devices.

Find out more

Own Occupation Cover Cover based on
Own Occupation
Cover 65% of earnings

Insure up to 65% 
of gross earnings

Guaranteed Premiums Guaranteed
Premium Rates
Day One Severe Injury Cover Severe Injury Cover

No premium loadings for:

  • Occupation
  • Smokers
  • Hazardous Pursuits

My Earnings Protected is the product that says 'yes' to more of your clients.

Cover up to 65% of your clients earnings.  

My Earnings Protected can cover earnings of up to £80,000 per year.

  • Maximum Benefit £52,000
  • Minimum Benefit £4,160

Choose from Level or Annual Escalating premium rates.

My Earnings Protected allows your client to select the best premium option for their circumstances. Our premiums are guaranteed from start to finish so they will always know how much they are paying.

For a small additional premium you can add Day One Severe Injury Cover to any deferred contract.

My Earnings Protected allows your client to have a longer deferred period for sickness but cover from Day One should they suffer an accident covered under this option. 

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