At the IPTF, we are engaging proactively with government at the highest levels, most recently through open letters outlining practical recommendations to support welfare reform. We also work closely with regulators, offering industry insight and constructive feedback to help shape better consumer outcomes.
Our Correspondence
Through our open letters, we present clear and actionable recommendations to the government and regulator on how the protection industry can better complement welfare provision. These letters reflect our belief that open dialogue and partnership are essential for building stronger, more responsive safety nets that support the long-term wellbeing of the UK’s workforce.
Letter to the Minister for Social Security and Disability – Sir Stephen Timms
We have submitted evidence to the Timms Review of PIP, drawing on the Income Protection sector's decades of experience supporting people with fluctuating and less visible conditions to remain in or return to work, and offering to work further with the review. The letter highlights the value of early intervention and joined-up vocational rehabilitation, and points to real examples through initiatives like the 7 Claims Stories project.
Read the full letter hereLetter to the Secretary of State for Business & Trade – Peter Kyle MP
We urge the Government to expand Income Protection access for self-employed workers and small business owners, a group that often lacks financial safety nets. This letter highlights the economic risks faced by this growing sector and showcases the success of initiatives like the 7 Families project. We seek to collaborate to support the Make Work Pay strategy and strengthen national financial resilience.
Read the full letter hereLetter to HM Treasury – Patrick Leavey
In this letter, we highlight the absence of adequate Income Protection for small business owners and the self-employed, groups often excluded from workplace benefits and universal credit support. Drawing on campaign successes like 7 Families, we propose working with Treasury officials to improve awareness, guidance and access to protection as part of the wider Keep Britain Working agenda.
Read the full letter hereLetter to the City Minister – Emma Reynolds MP
We raised concerns about the financial vulnerability of self-employed workers and small company directors, highlighting the lack of employer-provided benefits available to them. This letter discusses the value of collaborative, industry-wide campaigns and proposes joint work with the Treasury to enhance awareness, access and financial resilience as part of national employment objectives.
Read the full letter hereLetter to Lucy Rigby KC MP – Economic Secretary to the Treasury
Welcoming the Government's Financial Inclusion Strategy, we reflect on the importance of Income Protection in building resilient households and supporting people back to work. Our letter emphasises ongoing IPTF engagement across government departments and asks to collaborate with Treasury officials to ensure Income Protection is accessible, practical and understood by all households, including the self-employed.
Read the full letter hereLetter to the Prime Minister – Sir Keir Starmer MP
Responding to welfare reform announcements, we outlined how the protection insurance industry can reduce long-term welfare dependency by supporting people back to work through vocational rehabilitation and early intervention services. The letter calls for a welfare system that rewards personal responsibility and ensures Income Protection policyholders are not penalised. We invite collaboration to build a fairer and financially resilient UK.
Read the full letter hereLetter to the Financial Conduct Authority (FCA)
In this letter, we respond to the FCA's interim Pure Protection Market Study findings, welcoming the focus on protection gaps, claims experience and consumer outcomes. We reaffirm our commitment to reducing underinsurance, highlight alignment with the Building Resilience agenda, and offer industry-wide support and insight as the study moves towards its final recommendations.
Read the full letter here