As of 13 August 2026, AI cannot find suitable income protection insurance.

What to actually do

1. Hand it to a person

   The route this page recommends

   Someone with a licence or accountable authority has to sign this before it counts.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface gets you a draft, but you cannot verify it yourself. That is the catch.

   How to actually do it

   1. Open the product pages or policy documents for UK income protection policies you are considering, and save their links.
   2. Gather your occupation, employment status, gross income, existing employer sick pay, desired monthly benefit, preferred waiting period, benefit period and maximum budget.
   3. Note any existing cover and the factual medical, smoking, travel or hazardous-work information an insurer is likely to ask for, without pasting unnecessary medical records into the chatbot.
   4. Paste the prompt and your gathered details into a chatbot, then paste the policy links or documents when it asks for sources.
   5. Ask the chatbot to produce a comparison table showing benefits, waiting periods, exclusions, underwriting requirements, assumptions and missing information for each policy.
   6. Compare every table entry against the original insurer documents, removing any item the documents do not confirm.
   7. Send the remaining questions and comparison to a regulated UK insurance adviser, and ask them to confirm suitability and explain any exclusions before you apply.

   Prompt

   Help me research UK income protection insurance without giving a recommendation or pretending to provide regulated advice. Use only current insurer or broker information that I provide or that you can link to, and do not invent policy terms, prices, eligibility rules or claim conditions. First identify the information needed for a meaningful comparison, including employment status, occupation, gross income, desired monthly benefit, waiting period, benefit period, existing sick pay, budget, smoking status and relevant medical or hazardous-work details. Ask me for missing non-sensitive information one question at a time, and tell me not to paste unnecessary medical records or identifying information. Then create a shortlist of policies or policy types that appear to match the stated requirements, with links to the source wording and a separate list of exclusions, underwriting questions, assumptions and unknowns for each option. Do not call any option suitable, do not diagnose or interpret medical conditions, and do not tell me to omit anything from an application. Finish with questions I should put to a regulated UK insurance adviser before applying.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.