How to make IP more relatable to clients - tip #10

‘Longer sick pay equals cheaper premiums’

clock • 3 min read

View employer-paid sick pay entitlement as an opportunity not an obstacle to individual IP, says protection adviser Matthew Chapman

In my experience, one of the most common objections to taking out Income Protection is the client's misguided notion that their sick pay will be enough to support them during any period of incapacity.  If we ignore those with little or no sick pay at all (and who desperately need Income Protection) and instead focus on those who do receive reasonable sick pay entitlement - such as NHS workers, teachers and other public sector employees - in the past, this may have presented you with a challenge to overcome.  Well, not anymore. In this article, I am going to demonstrate how to turn ...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Income Protection

Low IP uptake due to misconceptions: Shepherds Friendly

Low IP uptake due to misconceptions: Shepherds Friendly

14% of working adults have IP

Cameron Roberts
clock 24 November 2025 • 2 min read
Profile of an IP Customer: Mix and match protection

Profile of an IP Customer: Mix and match protection

Why multi-benefit plans are winning

Jo Miller and Warren O'Connell
clock 20 November 2025 • 3 min read
IPTF releases fifth instalment of 7 Stories

IPTF releases fifth instalment of 7 Stories

Claims assessor stories

Cameron Roberts
clock 17 November 2025 • 1 min read