stay well clear!

Income protection is supposed to cover your bills and living expenses in times of illness or injury, they have a go slow policy you will find yourself months down the line without being able to pay bills or afford to buy food, they do this to force you back into work against doctors order, that way they create a catch22 because they say that proves you could work and avoids the incapacity definition. I had to report them to the FOS who ruled in my favour and ordered that the company had acted poorly, it was ruled that the insurance company had deliberately stalled paying benefits to put me in a bad financial situation where i could not pay bills, which is exactly what the policy is supposed to protect you against..