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.
Our premiums start at £8 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.
Your client can choose how long they wait before we pay an income. They can choose 1, 4, 8, 13 or 26 weeks.
Guaranteed income level
If your client provides proof of income within 6 months of their Plan starting they can fix their maximum benefit and no further proof of income will be required at claim.
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.
Choice of cover
Select to receive income for 1 or 2 years if they have to claim.
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.
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 cover can be increased or decreased.
Choice of Plan end date
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.
Additional support for your clients
Members get free access at all times to our Member Assistance Programme.
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