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Breathing Space

Breathing space is a great fit for people with an income that goes up and down. There’s no financial underwriting at claim stage. We'll only ask your client to prove they were earning an income before they claimed.


You can choose a monthly benefit from £541 to £1,250 each month.


Own Occupation

Covers your client for the job they actually do.



  • Age-costed guaranteed premiums. This type of premium offers low-cost premiums which rise with age.
  • A choice of 1, 4, 8, 13, 26, or 52 weeks deferred periods.


Benefit periods

  • Choice of 1, 2 or 5 years
  • Pays weekly or monthly into your client’s bank account or directly to their mortgage lender.
  • Choose a benefit amount from £541 to £1,250 a month.


Increasing Cover

Lets you choose cover that increases each year in line with RPI. Includes the option to pause increases in cover and premiums.


Making changes

When life changes, your client can make changes to their policy. In some cases, we won’t ask any extra health and lifestyle questions. You can find full details in our terms and conditions.


Fracture Cover

You can add Fracture Cover to new Breathing Space policies. There is an extra cost for this.