We’ll llok at some key statistics to help you start meaningful conversations with your clients about the benefits of Income Protection.
Visit adviser.guardian1821.co.uk/webinars for the webinar recording and the details of future webinars.
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| This month, we’re talking about income protection in support of the IPTF’s Income Protection Action Week (IPAW) next week. |
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| We’ll look at some key statistics to help you start meaningful conversations with your clients about the benefits of this important cover. |
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| Did you know? |
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- In Q1 2025, an estimated 2.78 million people weren’t working because they were on long-term sickness leave in the UK1
- Statutory Sick Pay (SSP) is just £118.75 a week if someone is too ill to work for up to 28 weeks2
- If a person is self-employed, they won’t get SSP and would need to apply for benefits
- 39% of people would struggle to cover living expenses for more than a month if only relying on their savings3.
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| How income protection can help |
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| Income protection can give your clients peace of mind by helping them with the bills and maintaining their lifestyle if illness strikes. Industry-wide, income protection sales are on the rise and it’s already helping lots of people: |
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- £204 million in individual income protection claims were paid in 20244
- That’s a 16% increase in total payouts from the previous year4
- As well as a payout, income protection can often give access to valuable additional support services including GP 24/7 and mental health and wellbeing consultations.
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| The Dynamic Duo |
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| At Guardian, we call the combination of income protection and life cover, The Dynamic Duo. You can combine Income Protection with either our premier Life Protection or Life Essentials as part of our Protection Menu. There’s a choice between full-term or 2-year term payment periods for Income Protection, so you can build a policy that fits your clients’ needs and budgets. You can also add optional Children’s Critical Illness Protection for clients with kids. |
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| Learn more about why this combo is so powerful. |
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Sources:
1 Statista, Number of economically inactive people due to long-term sickness in the United Kingdom from 1st quarter 2000 to 2nd quarter 2025, August 2025.
2 Gov.uk, Statutory Sick Pay (SSP), August 2025.
3 Finder.com, Saving statistics: average UK savings in 2025, September 2025.
4 ABI, Record £8bn paid out in vital protection claims during 2024, July 2025. |
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| Join our webinar on the Dynamic Duo |
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| With Paul Dewick, Sales Team Manager, and Judy Ashworth, Senior Business Development Manager |
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| Join Paul and Judy on Tuesday 30 September at 10am to find out more about the Dynamic Duo. They’ll share what makes our Income Protection special, as well as whether Life Essentials or Life Protection would be the best fit for your clients. |
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| Young people need protection too – we just need to talk about it differently |
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| With Laura Mitchell, Marketing Manager |
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| How do you bring up protection with young people? According to Laura, it’s about helping them see how it fits with the life they’re building. That means less chat about dependents and mortgages, but more about lifestyle – something that points directly to income protection recommendations. |
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| MORE ABOUT INCOME PROTECTION AND IPAW |
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| Jo Miller, Managing Director, Income Protection Task Force |
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| We’ve caught up with Jo to find out more about IPAW. With content for advisers who are new to income protection and want to build confidence, right through to experienced advisers exploring related areas like business protection and accident cover, there’s sure to be something for you. |
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Register for IPAW 2025 between
22 and 26 September |
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| IPAW is IPTF’s annual event. It’s open for anyone working in the protection industry who would like to refresh their knowledge or to simply learn more about income protection. Click the button below for more information and to register. |
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| That’s all for September. We’ll see you next month. |
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| If you have any questions, please give us a call or send us an email. |
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| Kind regards |
| Your Guardian Team |
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Guardian Financial Services Limited is an appointed representative of Scottish Friendly
Assurance Society Limited. All products are provided by Scottish Friendly. |
© 2025 Guardian Financial Services Limited
Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: Galbraith House, 16 Blythswood Square, Glasgow G2 4HJ. Registration number 110002. Guardian Financial Services Limited is registered in England and Wales under number 11115769. Registered office: 11 Strand, London WC2N 5HR. |
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