Income Protection Cover
OUR ASSESSMENT
Vitality combines income protection with recovery support and a conditional Income Booster; the quoted benefit duration still needs explicit comparison. Compare the exact product and selected options in the side-by-side category table, then check the accepted quotation and policy schedule.
Features to compare
- Recovery Benefit provides access to specified rehabilitation pathways when claiming.
- Income Booster can increase payments for the first six months according to pre-claim Vitality status, subject to conditions.
Limitations and checks
- Redundancy is not covered.
- Do not compare a boosted illustration with an unboosted guaranteed benefit; confirm the waiting period, payment term and earnings evidence.
The question to ask
What is my unboosted monthly benefit, how long could it pay, and what proof of earnings is required?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
