I've become self-employed: does my protection still work?
Your personal policies continue as long as premiums are paid. But self-employment usually means no employer sick pay or death-in-service benefit, so you may need more cover. Income protection can be particularly important, and how your income is assessed for a claim may change. Tell your insurer and review your cover.
Income protection
Insurers often use your taxable profits to work out benefit. Check how yours would be calculated.
Deferred period
Without sick pay, you may need benefit to start sooner. Consider whether your deferred period still suits you.
Business cover
If others rely on you in your business, ask about business protection.
This article is general information about UK protection insurance, not personalised financial advice. Policy terms vary between insurers and products, so always check your own policy documents.
Last updated 27 October 2026