Personal protection

Living Costs Protection

Fixed premiums for fixed payments

Different to 'traditional' income protection, as your client receives a fixed monthly payment with no complex calculations for each eligible claim if they're unable to work due to illness or injury. This will be paid for up to 12 months and can be set between £500-£1,500 with a fixed premium amount. It's designed to help cover essential outgoings in times of need.

Adapts to your client’s needs

They choose the monthly benefit, the deferred period and the policy length

Comprehensive package as standard

Including Support Plus, waiver of premium, back to work benefit, and life change benefit

Be aware

If your client stops paying their premiums or cancels their policy, they'll no longer be covered, and they won't get any money back

A simple and affordable long-term policy

With no complex calculations and no second guessing, it offers your clients straightforward protection if they find themselves unable to work due to illness or injury.

Get the client overview with our guide.

Product details

Why Living Costs Protection?

It’s simple. With your help, your client decides:

  • How much they will receive each month – this can be between £500 (£6,000 per year) and £1,500 (£18,000 per year)
  • How long after they’re unable to work the payments start – 4, 8, 13 or 26 weeks
  • How long they’d like their policy to last – from 5 to 52 years

These simple choices help us to set the monthly premium. We don't need pay slips or complicated calculations. Just a few questions about your clients health, lifestyle and occupation.

We understand what an impact illness and injury can have on being able to work. Our Living Costs Protection means clients can relax a little, and fully focus on their recovery knowing that they'll be provided with a fixed amount for up to 12 months for each individual claim.

Facts and figures

Click on the arrows to see the information you need.

Limited payment term

Additional covers

Included benefits

Support Plus

Looking after your client and their family

When you recommend one of our personal protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters.

Of course, this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

We’re proud of the services we offer. Helping your clients to live more healthily, caring for them through illness and injury, and being there to support them and their family in the event of bereavement.

For more information on any services and what's included with your client's policy, please read our Support Services leaflet.

Please be aware that all of the benefits included with our support services are non-contractual and we can remove them at any time. 


Being there when it matters most

When your clients claim, we do everything we can to reduce their stress and anxiety.

This is an incredibly difficult time. Whether it’s helping with paperwork or answering questions about answering questions about making an effective return to work.

To make a claim, they can call us on:

0800 158 3105

Our lines are open Monday to Friday 8.30am to 5.00 pm - closed Saturday and Sunday.

You can leave a message outside of these hours.

Calls may be monitored and/or recorded.


Alternatively, they can get the process started online instead.

Our dedicated claims website includes a link to an online form which your client can fill in to tell us they need to make a claim.

There’s also a step-by-step guide to making a claim and the answers to some frequently asked questions.

Quote, apply and track cases online

Visit ALPS

Business support

Doing protection business just got easier

We're committed to making it easy to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time.

ALPS tracking guide

Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our guide to learn how tracking can help your business.

ALPS in focus guide

Gain knowledge on what ALPS has to offer you, whilst discovering some of the tips and tricks that could save you time. 

Underwriting centre

Our digital hub contains everything you need to know about our underwriting.

Optional benefits

All available for an additional premium

Global treatment

Global treatment – providing access to Best Doctors’ network of medical experts for second medical opinion and Further covers the cost of overseas treatment for certain serious illnesses or medical procedures.

Fracture cover

Fracture cover pays a one-off sum if your client suffers from 1 of 18 specified fractures during a 12 month period. 

Related content

Tenant protection hub

There are over 8.6m rental households in the UK. Tap into this tenant protection market.

Income Protection+ versus Living Costs Protection

Different clients mean different needs. 

Income Protection+

Help protect your client against loss of income due to illness or injury and discover the extra benefits that could help your clients get back to work.

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See our contact us page for a full directory.