Group Income Protection

Be innovative. Be trusted. Be your best.

Group Income Protection that supports from day one.

For a product and added benefits that well and truly focus on wellbeing, look no further.  Our Group Income Protection solution provides the tips and tools needed to help employees with their physical, mental and financial wellbeing, as well as paying up to 80% of an employee’s salary, if they are unable work.

Because when people are happier, healthier and at their best, businesses are too. That’s where we can help.

Group income protection from AIG

By working together, we can help everyone reach their full potential as people, parents, partners and professionals. Watch our short animation to take a closer look at our group income protection product.

Group Income Protection from AIG supports your employees from day one, with practical prevention and protection when it’s needed.

AIG Life UK is a protection specialist, with 1.2 million customers across the country. For us, insurance is about more than financial security. We believe in helping your employees and their families to live their healthiest lives and supporting them when they need us most.

Our Group Income Protection offering focuses on prevention, rehabilitation and financial protection. Let’s take a closer look.

It all starts with prevention.

Smart Health, AIG’s health and wellbeing service, is provided to every insured employee at no extra cost. It includes unlimited access to physical and mental health support, including virtual appointments with registered GPs.

Your employees will also be given access to LifeWorks, our employee assistance programme, which supports them with work, health and life challenges.

For recovering people, look to our rehabilitation service.

Independent and impartial, our rehabilitation programme is provided by our expert partners, Proclaim Care. Their UK-wide team of highly experienced, medically qualified Rehabilitation Specialists work directly with the employee, to create a tailored back-to-work plan that includes support, guidance and funded treatments if needed.

When an employee is recuperating, the last thing they need to distract them is money worries. That’s where our financial protection can make a huge difference, providing up to 80% of their salary while they are unable to work. And when an income protection claim is made, our dedicated Claims Specialists are on hand to support both the employer and the employee all the way through the claims process.

When people are happier, healthier and at their best, businesses are too.

With the widest range of options in the market, our Group Income Protection is available to businesses of any size.  


Speak to your adviser today to find out more.

From prevention to protection

A shield shaped icon representing Prevention

Smart Health: the perfect blend of services to help manage health and wellbeing. And it's free to your clients and their families too. They can use it as much as they need, whether that's now or in the future.

A shield shaped icon representing Rehabilitation

Our vocational rehabilitation programme, provided by our partners Proclaim Care, helps employees get back to work when they’re ready.

A shield shaped icon representing Financial Protection
Financial Protection

AIG’s Group Income Protection provides income for employees, if they are unable to work. For us, people come first, which is why we offer practical preventative help and financial support for employees. And it gives you the opportunity to help employers offer a valuable benefit for their business.


Man and woman with cat on sofa
Cancer pathway

Our cancer support services are here to let your clients' employees look to the future with confidence. Here we show the pathways businesses and their people can take to access cancer specific healthcare.

Man getting physiotherapy with weight above his head
Musculoskeletal pathway

Discover the pathways your clients' employees can take to access MSK specific healthcare, as well as the support available to them as a business. Letting your clients’ people be their best.

Woman on bed watching laptop
Mental health pathway

Keep your clients' workforce happy and healthy. Take a look at the pathways an employee can take to access mental healthcare, as well as the support on offer to businesses.

For healthier people, there’s Smart Health

Smart Health is more than a wellbeing service – it’s a GP with 24/7 availability, as well as a fitness coach, nutritionist and mental health supporter, accessed on the go at any time. Health has never been so convenient.

It offers employees access to six personalised services, including nutrition plans and workout programmes, to help ward off illness, as well as a second medical opinion service. But most importantly, they have 24/7 access to a GP. Whether it’s over the phone or via video call, employees can speak to a medical professional wherever they are. All insured employees can benefit from Smart Health.


Smart Health is provided to AIG Life Limited customers by Teladoc Health. These services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.


Find out more about the smarter way to stay healthy

For productive people, look to LifeWorks

LifeWorks is an Employee Assistance Programme that not only offers best-in-class practical and emotional support for employees, it also gives them and their employers a chance to personalise the experience. And from this familiar space they can then explore the other features it has to offer.

They can use it to access a number of face-to-face counselling sessions and a library of wellbeing articles, through either their smartphones or the web. It also offers work-life support in areas such as legal, financial, education and childcare, with the option to add-on everyday support in the form of discounts and cashback.

There are two options employers can choose from, to make sure they’re offering the best they can to help their employees stay in control of their health.

Option one: Core Wellbeing (included for free with all group income protection policies)
  • Counselling and coaching services available in person, or by video, chat, direct message or telephone
  • Critical incident support
  • 8,000+ clinically verified and trusted articles, toolkits, podcasts and more
  • Support in areas such as anxiety, depression, relationships and workplace challenges
  • Perks and savings
Option two: Upgrade package (£48 per employee, per year)
  • Employee Physical Assistance Programme (EPAP)
  • Enhanced wellbeing feed
  • Enhanced perks and savings
  • Enhanced community


see how Lifeworks is making a difference 


LifeWorks is available for all employees. These services are non-contractual, which means they don't form part of the insurance contract with us. These services could be changed or withdrawn in the future. 

For recovering people, Proclaim Care is there

When an employee is unable to work and needs to take time off, our vocational rehabilitation programme is there to help them get back on their feet and into work when they’re ready.

Provided by our partner, Proclaim Care, this independent and impartial service works to create a realistic return-to-work plan tailored to the individual employee.

Whether it’s support, advice, treatment or guidance, rehabilitation specialists are on hand to help – not to mention they’re all qualified medical professionals. So rest assured, all employees are in good hands. Together, we’ll do what we can to help them get back to being their best.

For insured employees who are unwell, Proclaim Care is here to help once they’re ready to come back to work. 

Discover more about vocational rehabilitation

For protected people, explore our Group Income Protection product

When an employee is recuperating, the last thing they need to distract them from their recovery is money worries – an income could make a huge difference.

The benefits of our Group Income Protection are available to businesses of any size. And your clients will have complete control, as well as the opportunity to offer an attractive benefit to their employees. It’s also flexible and can be tailored to each employer with ease – whether it’s the amount of time income protection is paid, or the time an employee needs to be off before it kicks in.

Flexible options
  • Up to 80% of salary available
  • Eight, 13, 26, 28, 41 or 52-week deferred periods
  • Limited payment periods of two, three, four or five years
  • Accurate premium rates guaranteed for two years, with no averaging
  • Automatic acceptance limit for schemes with three employees or more
Get in touch

So that’s our Group Income Protection offering – focused on practical prevention (unlike other products out there) and protection when it’s needed. Be your best with AIG.

To get a quote for a client, give us a call on 0330 303 9978 or email us at

If you're quoting for a scheme of up to 200 employees, visit our online portal to get a quote now.

Or to find out more about our Group Income Protection, see our latest product guide.

Literature and support materials

Group Income Protection - Product summary

This document is for employees to understand how income protection cover works.

Download Updated 02 Nov 21
Group Income Protection - Technical guide

An overview of the Group Income Protection policy. Policy aims, how it works, what is covered and premiums charged.

Download Updated 02 Nov 21
Group Income Protection - Terms and conditions

This explains how the cover works and the terms and conditions for Group Income Protection.

Download Updated 02 Nov 21
Vocational rehabilitation

A vocational process chart for absent employees.

Download Updated 01 Jun 21
Group income protection - interactive guide

Read our interactive guide to group income protection, explaining all of the benefits this product offers your clients and their employees.

LifeWorks EAP - overview

LifeWorks brings together a best-in-class user experience and clinical support to achieve complete mental, physical, social and financial wellbeing.

Download Updated 22 Feb 22
Vocational rehabilitation guide

Our interactive guide answers FAQs employers may have about vocational rehab, and explains more about the benefits this service has to offer.

Group income protection – sales aid

Read our guide to group income protection, explaining all of the benefits this product offers your clients and their employees.


Why buy Group Income Protection

We take a look at the benefits employers will see when they invest in group income protection.