I've changed jobs—does it affect my protection?
Your personal policies usually continue as normal, as long as premiums are paid. But a new job can change your sick pay, death-in-service benefit, income and occupation, all of which affect how much cover you need. Income protection may need updating if your occupation or earnings change significantly.
Employer benefits
Benefits from your old employer usually end when you leave. Check what your new employer provides.
Income protection
Tell your insurer if your occupation changes, and check the deferred period still lines up with your new sick pay.
A good time to review
Use the change to check your cover still matches your income and commitments.
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