Income Protection Insurance

Income Protection Insurance – Protecting Your Income for the Future

At Pineapple Insurance Services, we help employers provide peace of mind to their teams with reliable group income protection insurance. This essential employee benefit offers financial stability to staff who are unable to work due to illness or injury—helping them focus on recovery while supporting your business with a smooth, structured approach to absence management. Many businesses overlook income protection until it’s urgently needed. By planning ahead, you can protect your people and build a more resilient workforce.

What Is Income Protection Insurance?

Group income protection (GIP) provides employees with a regular income if they’re unable to work due to a long-term illness or injury. It pays a percentage of their salary—usually between 50% and 75%—after a pre-agreed waiting period, and continues until they return to work or reach the policy’s benefit end date. For employers, it’s a practical way to show your commitment to staff wellbeing, reduce absence-related disruption, and manage long-term sickness more effectively.

Why Work With a Specialist Income Protection Broker?

As a broker, we simplify the process of arranging cover—helping you choose a policy that meets your business needs while delivering meaningful support to your employees.

Here’s how we help:

Independent Advice – We work with top UK providers to find the best policy for your budget and workforce.

Tailored Solutions – Every business is different. We help design cover that aligns with your team size, industry, and risk profile.

Ongoing Support – From setup to renewal, we provide clear guidance, claims support, and regular policy reviews.

Efficient Onboarding – We handle the admin, so you can focus on running your business.

How Group Income Protection Works

1. You choose the level of cover – Typically 50–75% of an employee’s salary.
2. Set the deferment period – The waiting time before payments begin (commonly 13, 26 or 52 weeks).
3. Employees receive benefits – Payments are made monthly, continuing until they’re well enough to return or the benefit term ends.
4. Extra services included – Many policies offer added-value support such as vocational rehab, employee assistance programmes, and mental health services.

This cover not only protects your employees—it also gives your business structure and support during prolonged absences.

How Much Does Income Protection Insurance Cost?

Premiums vary depending on:

Size and age profile of your workforce

Occupation risk levels

Chosen benefit percentage and duration

Length of the deferment period

Additional services or add-ons included

We’ll help you find the right balance between affordability and coverage—ensuring your policy fits your budget and delivers real value.

Benefits of Offering Group Income Protection to Employees

✔ Financial Security
Employees facing serious illness or injury can maintain their income and avoid financial hardship.

✔ Enhanced Loyalty and Morale
Staff feel valued and supported, improving retention and overall engagement.

✔ Reduced Sickness Impact
Faster access to rehabilitation and structured return-to-work plans reduce long-term absences.

✔ Mental Health Support
Most policies now include cover for mental health-related absences—vital in today’s working environment.

✔ Tax Efficiency
Premiums are generally a deductible business expense, and employee benefits are typically paid tax-free.

Who Can Benefit From Group Income Protection?

This cover is ideal for:

SMEs looking to build attractive benefits packages

Companies without sick pay schemes wanting a structured solution

Firms with key staff or specialist roles where long-term absence could be disruptive

Businesses focused on staff wellbeing and resilience

Whether you’re looking to protect a small team or a growing workforce, we’ll help you find the right solution.

Why Choose Pineapple Insurance Services?

We’re more than just an insurance broker—we’re your long-term partner in protecting your people.

Specialist Advice – Clear, jargon-free guidance tailored to your business.

Whole of Market Access – We compare policies from a wide range of trusted UK providers.

Tailored Recommendations – No off-the-shelf solutions—we build cover around your needs.

Responsive Support – We’re here before, during, and after the sale, including help with claims and renewals.

Let’s Protect Your Team’s Future

If you’re considering group income protection for your business, our team is here to help. We’ll guide you through your options, provide no-obligation quotes, and support you every step of the way.

Get in touch today

for a free consultation—and give your team the financial protection they deserve.

“Our goal is to help you make informed decisions and protect the people and assets you value most.”

CLIENTS AND TESTIMONIALS

“Engaging with Pineapple marked a turning point in our approach to insurance. Rather than just selling us a policy, they guided us towards more efficient employee benefits, resulting in better coverage and notable cost savings.”

“Discussing healthcare benefits with Pineapple Insurance is always a positive experience. Their team combines expert knowledge with a personable approach, creating effective and budget-conscious solutions.”

“Pineapple Insurance’s prowess in SME healthcare is unmatched. Their in-depth analysis of policies and market trends has empowered us to make informed decisions, securing robust employee protection while mindful of our financial limits.”

“It’s rare to find a service like Pineapple Insurance, where genuine care and expertise come together. Their commitment and knowledge in the field of SME healthcare have significantly benefited our employees.”

Income Protection Insurance