Life Insurance for Blue light card holders

Blue light card income protection

We appreciate and value the work that you do.

Blue light card holders play a hugely important role in our communities, and we think you deserve financial protection throughout your career.

With our income protection policies, you can benefit from just that.

Income protection plans are there to help you stabilise your finances should you be ill or injured and unable to work. In addition, for those whose illnesses and injuries are career-ending, an income protection plan can offer you financial assistance until you reach retirement age.

As a blue light worker, you will likely already work for an employer with generous sick pay policies.

For example, the NHS may provide as much as six months full pay and six months half pay for those deemed medically unfit to work. Your entitlement will depend on how long you’ve worked there and is set out through Agenda for Change.

In these scenarios, you may question whether you need an additional income protection plan.

If you got sick or hurt and couldn’t work for a while, could you pay your bills? If you can’t get sick pay from your job, you might find that getting an income protection policy gives you peace of mind.

Income protection insurance could pay a steady sum until you could return to work. It would also keep your savings safe.

It genuinely worries us that so many blue light workers do not have financial protection in place to support them in case of a loss of income. A recent survey from LV= showed that “43% of employed people said that if they were off work for 2 months+ with illness or injury, they’d use their savings to cover outgoings.” (Source: LV=,

We don’t want you to have to use your savings.

Especially when, for just a few pounds each month, you could have an insurance payout (alongside any statutory or occupational sick pay payouts) that would cover your income until you’re fit enough to return to work.

Lasting financial protection until you reach retirement

If you’re serving in the army or working in frontline emergency services, you will have seen first-hand how an accident can change your life entirely.

We’re so relieved that, in most scenarios, income protection insurance is for short-term payouts. For example, maybe you broke your leg and can’t work as a firefighter until it heals. Or perhaps your mental or physical health has been bad, and you need to take some time off to get better.

But sometimes people get sick or hurt and are never able to go back to work.

In these situations, your income protection plans could give you a steady income until you retire (or the policy term ends, whichever is first).

We all like to plan for the future and think about what might happen.

But most of us think about the future in terms of when we can move up at work or when we can save enough money to buy our dream home. Most of the time, the question is never about how you would make money if you were signed off indefinitely.

At The Insurance Surgery, we know how to plan for the worst-case scenarios. However, we don’t always see the glass as half empty. In fact, we’re a very positive bunch, and we always look for the most optimistic solutions to protect you and your loved ones.

But we know what is likely to happen.

Our blue light income protection plans are made to give you peace of mind that your money will be taken care of in almost any situation.

How does blue light income protection work?

Income protection will cover you if you get sick in many different ways, both physically and mentally. For example, if you get hurt and can’t work, your income protection plan will pay you, so you don’t have to worry about money.

• A blue light income protection policy typically covers 50–70% of your monthly salary. This will give you some extra money and much-needed breathing room when paying your bills and other living costs.
• If you can’t work because of health problems, your salary protection insurance will pay your salary until you can go back to work.
• If you are signed off indefinitely by a doctor, your salary protection insurance could pay you every month until you’re old enough to retire. On the other hand, it will keep paying until the end of the policy’s term.
• As income protection is a private insurance plan, it can pay out at the same time as any formal or statutory sick pay policies from your employer.
• You can also file as many claims as you need as long as your policy is still in effect.

Why buy blue light income protection insurance from us?

Our income protection plans, like our life insurance policies, are made with you in mind.

We don’t offer online quotes for income protection right away because we want to know what sick pay policies you already have and how they work.

We stand out from other insurance brokers because we pay attention to the small things that matter. We build policies around you and your lifestyle, so you are covered for what you need.

For example, if you know that you will no longer get full pay from your employer after six months, we can find a policy that will delay any income protection payments until your salary is reduced. That way, the insurance payouts kick in when you need them to. Not only does this work with your lifestyle, but it could help you to reduce your premiums.

Beyond that, when you call us about blue light card income protection, you might not have a figure in your head for how much cover you need. So we’ll chat through your current costs and figure out how much money you need to cover your outgoings.

You won’t get this attention to detail anywhere else.

We genuinely care about making sure that you have the right financial protection in place for your family.

You deserve that.

In the best-case scenario, you will never have to use your income protection insurance.

But if you do need to make a claim, we want to make sure that you have everything in place to protect your family’s finances.