Why do yoga instructors need income protection?
Yoga instructors who cannot teach due to injury or illness lose their income immediately. Income protection provides monthly payments of up to 70% of your earnings — an essential safety net for self-employed instructors with no sick pay. Keep records of your income to support your application.
How does income protection work for yoga instructors?
Income protection pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work, reach the policy end date, or die.
How much does income protection cost for yoga instructors?
Yoga instruction is usually Occupation Class 1 or 2 for income protection, with some variation for self-employed instructors with variable income. A healthy 35-year-old yoga instructor looking for £1,500/month benefit typically pays £25–£55/month depending on the deferred period and occupation class.
Own occupation vs any occupation
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job. "Any occupation" cover is much harder to claim on and is generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for income protection. Yoga instruction is usually Occupation Class 1 or 2 for income protection, with some variation for self-employed instructors with variable income.
Long-term policies pay until you return to work or retire. Short-term policies (1–2 years per claim) are cheaper but provide less protection.
Yes — income protection is especially important if you're self-employed, as there is no employer sick pay to fall back on.