When life knocks you down, Eleos picks you up

The insurance to count on for regular financial support when work stops because of illness or injury.

When life knocks you down, Eleos picks you up

The insurance to count on for regular financial support when work stops because of illness or injury.

5 out of 5

Eleos policies are protected by the FSCS.

Insurance that throws you a financial lifeline

Don’t waste time worrying about the unexpected – spend a few minutes online with Eleos and you’ll be ready for anything.

LET'S START WITH

What is income protection insurance?

It gives you a regular income when you can’t work and earn.

You choose

What you pay and how much you get.

You pay

An affordable monthly premium.

You get

Regular monthly payments while you can’t work.

Applications are approved in minutes and it all takes place online.

Here’s a couple of reasons why you need it

It’s the only way to keep your income AND your savings.

Injury and illness strike without warning. You might be the fittest person on the planet but it can happen to you.

Sick pay does not replace your income and won’t last forever.

What about my savings?

Is that really how you want to spend them?

Or maybe a loan?

Debt? Interest? Are you sure about that?

With income protection insurance you’re buying a safety net that’s cheap to pay for and easy to manage. And when you need it, it’s just waiting for you to claim.

& what makes us different?

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Cut out the salespeople

No calls or emails – just a few questions and a quote within seconds

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TQgNDMuNDE4NiA1NC4zNjM3TDUzLjA2NDcgNDUuODM1OUM1My41MDM2IDQ1LjQ1OTYgNTMuNTQ1NCA0NC43OTA4IDUzLjE1ODcgNDQuMzYyM0M1Mi43ODI1IDQzLjkyMzQgNTIuMTEzNyA0My44ODE2IDUxLjY4NTIgNDQuMjY4MloiCiAgICAgICAgICBmaWxsPSIjM0MzQzNDIi8+Cjwvc3ZnPgo=

Clear answers in plain words

No jargon – just clear explanations from start to finish

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Take control of your policy

You're free to personalise, change or cancel, with no cancellation fee

Insurance and a whole lot more

When you buy a policy through Eleos you’re opening the door to a suite of four fantastic extra benefits.

We call them enhanced, but you’ll soon find them indispensable.

Benefits to make life happier and healthier

Virtual GP

Access to GP services 24/7 by phone or video including prescription delivery.

Emotional Wellbeing Platform

Improve and maintain your mental health with a programme accredited by the National Institute for Health and Care Excellence (NICE).

Gym Discount

20% off ‘Anytime’ membership at any of Nuffield Health’s 110 gyms.

Life Cover

£6,000 paid to your spouse or your estate if you pass away during the life of your policy.

These are discretionary benefits, which means they can be withdrawn at any time. However, if we have to do this, we'll give you at least six months' notice.

Check out our Enhanced Benefits page to see the full details of these valuable benefits, which won’t cost you a penny extra.

Don’t ask if you can afford to have it – ask if you can afford not to.

How much will I get?

If your income when you claim is the same as when you bought the policy you’ll get the full amount of cover. If it’s lower you might receive less.

How long before I'm paid?

When you buy your policy we ask you to choose a waiting period, which is the time between claiming and being paid. Once that period’s over you’ll start getting payments.

Why would my payments stop?

Some changes in your circumstances will mean you no longer qualify. These include being fit to work, reaching the end of your payment period, being abroad for longer than permitted and the expiry of your policy.

What if my circumstances change?

You should tell us as soon as you can if the details of your income or employment change.

Is it easy to change or cancel my policy?

Yes, just log into your account to make changes. You can also cancel within the first 30 days for a full refund or any time after 30 days but without a refund. There’s no cancellation fee.

How do I claim?

1. Contact our underwriter by phone, email or post to get a claim form.

2. Complete and return it at least 14 days before you expect your first payment. Include:

a copy of your passport or driving licence

a self-signed medical certificate for the first 7 days (we need certificates signed by your doctor after that)

evidence of your employment and income

What’s covered?

Your policy doesn’t specify qualifying illnesses or injuries. You just have to be unable to work. When you apply we ask you about your health and any existing medical conditions, but very few of these will stop you from making a claim. In any case, we’ll let you know before you buy if you have any conditions that might prevent one.

How do I pay?

We don’t ask for payment details until you’re ready to buy. Once you are, you simply you set up a monthly direct debit. Unlike recurring card payments direct debits can be easily cancelled. If you cancel, your policy will end and no more payments will be due. All we ask you to do is confirm that you no longer want your policy.

How can I find out more?

We’ve tried hard to explain our policies and the claims procedure in the simplest possible terms. All the information you’re likely to need is on our website, but if you can’t find the answers here then just email us on info@witheleos.com and we’ll reply quickly, clearly and without jargon.

About

Legal Information

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Eleos Life Limited (FRN: 979255) is an appointed representative of Innovative Risk Labs Ltd which is authorised and regulated by the Financial Conduct Authority. Eleos Life Limited is a company registered in England and Wales (Company Number 14010855), with its registered office at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ