Income protection

What is it?

Income protection is an insurance policy that pays out if you are unable to work due to injury or illness. Through the CIOL Advantage scheme managed by Parliament Hill Ltd. we are able to offer CIOL members a Income Protection Plus insurance through PG Mutual. The insurance will provide CIOL members with a regular income if you are unable to work due to illness or injury, as well as building up an investment element for you at the maturity of the policy.

The policy also includes:

  • protection that can start from the first day of injury or illness
  • cover that lasts until you return to your professional career or reach the age of 65

CIOL members can save 20% in the premium for the first two years of cover and in the unlikely event that you find a lower like for like quotation, PG Mutual will match the price for the duration of your discount period and will offer you £100.00 of high street vouchers.


CIOL members can log in to access Income Protection via CIOL Advantage. After logging in, you'll see the benefit below.