Premiums increase as your client gets older but we'll tell you by how much before the Plan starts.
We pay out if your client can't carry out their job for 104 weeks, and then will provide cover on the basis of any 'reasonably suited' employment thereafter.
Our plans cover your clients whether they get ill or have an accident or injury.
We can provide cover for the majority of occupations, although the age we provide cover to may vary.
Your client can choose how long they wait before we pay an income. This means they can choose 4, 8, 13, 26 or 52.
We cover up to 60% of your client's gross income up to £100,000 - and payments are tax free under current rules.
Unlimited claims can be made during the lifetime of the Plan.
Premiums are waived after 52 weeks of benefits being paid.
We offer the choice to fix benefit payments at claim or for them to keep pace with inflation.
Your clients can stop paying their premiums for up to 6 months if they are made redundant, go travelling or are on maternity or paternity leave.
We know that circumstances change – so they can increase or decrease their cover.
Choice to end cover between 50 and 70 years.
Your client can include or exclude these – and we’ll review them if their hobbies change so they’re not paying for something they no longer do.
If your client claims and wish to train for or start new employment at a lower salary, we may provide a partial benefit for up to 12 months to reflect their reduced income.
If your client claims and could return to their pre-incapacity occupation in a part time or reduced role, they may receive additional benefit for up to 12 months to support their transition back to fulltime occupation.
After 36 months your client will begin to qualify for an annual profit allocation. This Plan potentially benefits from the addition of a final bonus at the Plan end date.
Members get free access at all times to our Member Assistance Programme.