Purely Income Protection

The lowdown

Our great value income protection plan for clients who want the security of income protection to Plan end date if accident, illness or injury stops them being able to work.

Plan features

No surprise premiums

Premiums increase as your client gets older but we'll tell you by how much before the Plan starts.

'Own Occupation' cover

We pay out when your client can't carry out their normal job.

Minimum premium

Our premiums start at £10 a month.

Covers illness, accident and injury

Our Plans provide cover for your clients for illness, accident and injury.

No occupational or smoker loadings

We can provide cover for the majority of occupations, although the age we provide cover to may vary.

'Deferred Period'

Your client can choose how long they wait before we pay an income. They can choose 1, 4, 8, 13, 26 or 52 weeks.

Employed, self-employed or Company Director

We cover up to 60% of your client's gross income up to £100,000 - and payments are tax free under current rules.

Cover until Plan end date

Receive income until Plan end date if they have to claim.

Unlimited claims

Unlimited claims can be made during the lifetime of the Plan.

Waiver of premium

We waive premiums while benefits are being paid.

Level or escalating cover

We offer the choice to fix benefit payments at claim or for them to keep pace with inflation.

Premium holidays

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.

Flexible cover

We know that circumstances change – so cover can be increased or decreased.

Choice of Plan end date

Choice to end cover between 50 and 70 years.

Hazardous pursuits

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.

Proportionate benefit

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.

Rehabilitation benefit

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.

Additional support for your clients

Members get free access at all times to our Member Assistance Programme.

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