Our income protection plans



Quickly compare our income protection plans

A straightforward range of proven, popular plans. Your Financial Adviser will be able to recommend the solution which best suits your individual needs and circumstances.

Income protection for illness or injury with a claim period limited to 1 year or 2 years.

Type of Plan
Protection only
What is the youngest/oldest I can be to buy a Plan?
18/59
What is the minimum time I can have a Plan for?
5 years
Maximum age at end of Plan
50 to 70
How long must I wait before making a claim (Deferred Period)?
1, 4, 8, 13, 26 or 52 weeks
What is the maximum salary (before tax) you will cover?
£100,000 per year
Max benefit % income
60%
What is the maximum benefit payment I could receive?
£60,000 per year
What is the longest time I could claim for?
One or two years only
Can I claim multiple times on the Plan?
Yes
Does the benefit payment stay the same?
Yes - with option to increase benefit in line with RPI
What does Incapacity mean?
An illness or injury occurring during the cover period which prevents you from engaging in your 'own occupation'
Are my Premiums guaranteed or are they reviewed?
Guaranteed to your client's rate table. Age-related increase each year on 1st Jan.
Is my benefit payment linked to the retail price index (RPI)?
If selected will increase by RPI (max 10% per year)
Is there a waiver of Premium?
After 'Deferred Period'
Is there a guaranteed income option?
Yes
When and how will my benefit be paid to me during the claim?
Twice monthly via direct credit
Is there a tax free lump sum at the end of the Plan?
No
Are there additional benefits with the Plan?
Free Member Assistance Programme

See detailsKey Features DocumentScheduleMemorandum

Income protection for illness or injury until plan end date.

Type of Plan
Protection only
What is the youngest/oldest I can be to buy a Plan?
18/59
What is the minimum time I can have a Plan for?
5 years
Maximum age at end of Plan
50 to 70
How long must I wait before making a claim (Deferred Period)?
1, 4, 8, 13, 26 or 52 weeks
What is the maximum salary (before tax) you will cover?
£100,000 per year
Max benefit % income
60%
What is the maximum benefit payment I could receive?
£60,000 per year
What is the longest time I could claim for?
To Plan end date
Can I claim multiple times on the Plan?
Yes
Does the benefit payment stay the same?
Yes - with option to increase benefit in line with RPI
What does Incapacity mean?
An illness or injury occurring during the cover period which prevents you from engaging in your 'own occupation'
Are my Premiums guaranteed or are they reviewed?
Guaranteed to your client's rate table. Age-related increase each year on 1st Jan.
Is my benefit payment linked to the retail price index (RPI)?
If selected will increase by RPI (max 10% per year)
Is there a waiver of Premium?
After 'Deferred Period'
Is there a guaranteed insurability option?
Yes
When and how will my benefit be paid to me during the claim?
Twice monthly via direct credit
Is there a tax free lump sum at the end of the Plan?
No
Are there additional benefits with the Plan?
Free Member Assistance Programme

See detailsKey Features DocumentScheduleMemorandum

Income protection for illness or injury with an investment element that can provide a lump sum pay out at Plan end date.

Type of Plan
Protection with investment element
What is the youngest/oldest I can be to buy a Plan?
18/54
What is the minimum time I can have a Plan for?
5 years
Maximum age at end of Plan
50 to 70
How long must I wait before making a claim (Deferred Period)?
1, 4, 8, 13, 26 or 52 weeks
What is the maximum salary (before tax) you will cover?
£100,000 per year
Max benefit % income
60%
What is the maximum benefit payment I could receive?
£60,000 per year
What is the longest time I could claim for?
To Plan end date
Can I claim multiple times on the Plan?
Yes
Does the benefit payment stay the same?
Yes - with option to increase benefit in line with RPI
What does Incapacity mean?
An illness or injury occurring during the cover period which prevents you from engaging in your 'own occupation' for 104 weeks then 'own or reasonably suited' occupation thereafter
Are my Premiums guaranteed or are they reviewed?
Guaranteed to your client's rate table. Age-related increase each year on 1st Jan.
Is my benefit payment linked to the retail price index (RPI)?
If selected will increase by RPI (max 10% per year)
Is there a waiver of Premium?
Applied after 52 weeks of claim payment
Is there a guaranteed income option?
No
When and how will my benefit be paid to me during the claim?
Twice monthly via direct credit
Is there a tax free lump sum at the end of the Plan?
Yes
Are there additional benefits with the Plan?
Free Member Assistance Programme

See detailsKey Features DocumentScheduleMemorandum

An income protection plan that pays you an income if you are unable to work due to illness or injury up until Plan end date with the choice of automatic and optional benefit guarantee.

Type of Plan
Protection only
What is the youngest/oldest I can be to buy a Plan?
18/59
What is the minimum time I can have a Plan for?
5 years
Maximum age at end of Plan
50 to 70
How long must I wait before making a claim (Deferred Period)?
1, 4, 8, 13, 26 or 52 weeks
What is the maximum salary (before tax) you will cover?
£100,000 per year
Max benefit % income
60%
What is the maximum benefit payment I could receive?
£60,000 per year
What is the longest time I could claim for?
To Plan end date
Can I claim multiple times on the Plan?
Yes
Does the benefit payment stay the same?
Yes - with option to increase benefit in line with RPI
What does Incapacity mean?
An illness or injury occurring during the cover period which prevents you from engaging in your 'own occupation'
Are my Premiums guaranteed or are they reviewed?
Guaranteed for the first 5 years, then reviewed annually.
Is my benefit payment linked to the retail price index (RPI)?
If selected will increase by RPI (max 10% per year)
Is there a waiver of Premium?
After 'Deferred Period'
Rehabilitation Benefit
Yes
Proportionate Benefit
Yes
Is there a guaranteed income option?
Yes
When and how will my benefit be paid to me during the claim?
Twice monthly via direct credit
Is there a tax free lump sum at the end of the Plan?
No
Are there additional benefits with the Plan?
Free Member Assistance Programme

See detailsScheduleKey Features DocumentMemorandum

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