Purely IP

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 for 24 months changing to suited thereafter.
• Maximum Cover - Up to 50% of gross income to a maximum cover level of £500 per week or £26,000 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.
• A choice of retirement age between 50 and 65 inclusive.
• Career break and premium holiday facility.
• Rehabilitation Benefit, Proportionate Benefit, Terminal Illness Benefit, and Medical Expenses Benefit are automatically included.

• Key Features Document
• Terms & Conditions
• Terms & Conditions - Booklet
• Get Quote