Introduction to Income Protection
Income protection is a type of insurance that provides financial support if you’re unable to work due to illness or injury. As a self-employed individual, it’s essential to consider income protection to ensure you can maintain your lifestyle even if you’re unable to work.
Top 10 Income Protection Companies for the Self-Employed in 2025
The following companies offer a range of plans to secure your income during diseases or injuries. The list reflects detailed research with verified data and user payments, taking into account factors that influence both plan safety and customer trust.
Evaluation Criteria
The criteria for assessing each company include:
- Cover options
- Plan flexibility
- Customer service
- Pricing
- Temporary speed
- Financial stability
Company Reviews
The following companies have been reviewed based on the evaluation criteria:
1. Aviva
Aviva offers strong guidelines for specialists who work for themselves. Their plans have comprehensive coverage with flexible terms. Many users report clarity in guideline details and an uncomplicated claim for claims.
- Cover options: extensive
- Plan flexibility: high
- Customer service: reliable
- Pricing: moderate
- Temporary speed: fast
- Financial stability: strong
2. Legal & General
Legal & General provides income protection guidelines that meet different needs. They design plans that adapt to income fluctuations for the self-employed. Customers enjoy clear guidelines and supportive customer care.
- Cover options: very good
- Plan flexibility: high
- Customer service: responsible
- Pricing: moderate
- Temporary speed: fast
- Financial stability: excellent
3. Royal London
Royal London offers solid income protection options that are tailored to independent groups. Their guidelines offer reliable insurance with practical conditions. Reviews show a balanced mix of cover and pricing.
- Cover options: excellent
- Plan flexibility: medium
- Customer service: efficient
- Pricing: competitive
- Temporary calculation speed: constant
- Financial stability: high
4. Scottish Widow
The Scottish Widow offers plans to maintain income in the event of unexpected events. Their guidelines focus on user-friendliness and uncomplicated claims. Customers appreciate clear documentation and fast support teams.
- Cover options: good
- Plan flexibility: medium
- Customer service: attentive
- Pricing: competitive
- Temporary speed: reliable
- Financial stability: solid
5. LV =
LV = delivers guidelines that meet the different needs of the self-employed. Their approach contains easily understandable terms and safe cover. Feedback shows that customers appreciate transparent pricing and effective support.
- Cover options: good
- Plan flexibility: high
- Customer service: polite
- Pricing: moderate
- Temporary speed: in good time
- Financial stability: reliable
6. Vitality
The vitality focuses on plans that adapt to a customer’s career. Their guidelines are built for flexibility and constant income support. Customers point out that pricing remains fair and offers various options.
- Cover options: good
- Plan flexibility: high
- Customer service: responsible
- Pricing: moderate
- Temporary speed: efficient
- Financial stability: constant
7. Aegon
Aegon offers guidelines that fulfill constant income protection with clear conditions. Their plans are well-suited for self-employed people who strive for reliable cover. The support systems are designed to treat claims immediately.
- Cover options: sufficient
- Plan flexibility: medium
- Customer service: constant
- Pricing: competitive
- Temporary speed: moderate
- Financial stability: strong
8. Zurich
Zurich offers stable income protection plans with a focus on balanced coverage. Their guidelines support customers in difficult times. The approach is clear and based on trust.
- Cover options: appropriate
- Plan flexibility: medium
- Customer service: consistent
- Pricing: moderate
- Temporary calculation speed: constant
- Financial stability: safe
9. Principality
Principality offers plans that correspond to independent specialists who strive for steady yield support. Their guidelines have clear terms. The plan options correspond to the basic income protection needs.
- Cover options: sufficient
- Plan flexibility: medium
- Customer service: accessible
- Pricing: affordable
- Temporary speed: reliable
- Financial stability: stable
10. Canada Life
Canada Life supports self-employed with constant income protection plans for accessible interest rates. Their guidelines are structured to correspond to different career paths.
- Cover options: appropriate
- Plan flexibility: medium
- Customer service: responsible
- Pricing: affordable
- Temporary speed: efficient
- Financial stability: constant
Conclusion
The list shows different strengths from providers who support income protection for the self-employed. Each company meets certain needs with clear and tailor-made plans. When selecting a provider, consider factors such as plan flexibility and speed. The selection depends on individual work patterns and financial goals. Data-supported ratings lead to a balanced decision that corresponds to different circumstances. It’s essential to research and compares the different options to find the best fit for your needs.