A straightforward income protection policy with all the benefits of our other policies but with no investment element. Designed to provide a great value income protection policy for those Purely interested in protecting their income.
This plan benefits from having:
- No Occupational, Gender or Smoker loadings.
- No Investment Element
- Guaranteed premiums
- Deferment Period options - Day One, 4 weeks, 8 weeks, 13 weeks, 26 weeks, 52 weeks.
- 'Own Occupation' definition of incapacity.
- Maximum Cover - Up to 60% of gross income to a maximum cover level of £654 per week or £34,000 per annum.
- Waiver of Premium - Comes into effect after 52 weeks of benefit payment.
- Level or Escalating Benefit - Benefit payments remain constant throughout the claim or payments increase annually in line with RPI by a maximum of 10% per annum.
- Age related premiums- increases with age attained on the 1st January in line with the published rate table.
- Access to our Members Assistance Program
- A choice of retirement age between 50 and 70 inclusive.
- Career break and premium holiday facility.
- Rehabilitation Benefit, Proportionate Benefit, Terminal Illness Benefit, and Medical Expenses Benefit are automatically included.