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This new plan offers a comprehensive quality Income Protection Plan which has truly guaranteed premiums combined with a comprehensive range of cover.
- 'Own Occupation' definition of incapacity throughout for Class 1 Professional, 1, 2 and 3.
- Class 4 also has own occupation but this changes to 'suited' after 12 months of a claim.
- Guaranteed premiums.
- No standard policy exclusions.
- Maximum Cover - Up to 50% of gross income to a maximum benefit of £120,000 per annum.
- A choice of retirement ages between 50 and 70 inclusive.
- Waiver of Premium - comes into effect during claim.
- 4, 8, 13, 26 and 52 weeks deferred period options.
- Valuable Guaranteed Insurability Option - allowing your client to increase their cover without medical evidence.
- Children's Benefit Automatically Included - In the unfortunate event of one of your clients children being diagnosed with a critical illness 1 months benefit will be paid.
- Level or Escalating Benefit - for premiums, benefits and benefits in claim in line with RPI up to a maximum of 10% per annum.
- Rehabilitation Benefit, Proportionate Benefit, Terminal Illness Benefit, and Medical Expenses Benefit are automatically included.
- Career Break and Premium Holiday Facility.
Please read in conjunction with the "Personal Income Protection" Plan Key Features Document.
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