Classic Plus

In a nutshell

An income protection product with an added investment element.

This Plan is designed to pay you an income if you suffer an accident, illness or injury and are unable to work. It is designed to pay out a lump sum upon the Plan end date. However you should be aware if you cancel your plan or stop paying your premiums you’ll receive nothing.


people who want the security of income protection to the Plan end date if accident, illness or injury stops them being able to work and the possibility of a lump sum payment at the Plan end date – regardless of whether they claim.

Plan basics

No surprise premiums

Your premiums will increase with age but we’ll tell you by how much before your Plan starts.

Investment benefit

After 3 years the plan starts to build a lump sum to be paid at Plan end date.

'Own Occupation' cover

We pay out if you can’t carry out your normal job.

Employed, self-employed or Company Director

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

Covers illness, accident and injury

Our Plans cover you whether you get ill or have an accident or injury - wherever it happens.

Unlimited claims

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

Three things to be mindful of

1. This Plan has no cash in value

If you stop paying your premiums your cover will cease.

2. Benefits may affect State Benefits

You should discuss with your Adviser how any state benefit may affect the cover you need.

3. What's not covered

This Plan does not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.

Flexible options to suit your needs

'Deferred Period'

You can choose how long you have to wait before we pay an income. This means you can choose 1, 4, 8, 13, 26 or 52 weeks to match the benefits to the sick pay scheme provided by your employer.

Level or escalating cover

You can choose to have a level benefit or for it to keep pace with inflation.

Room to move

We know that circumstances change – so you can increase or decrease your cover.

Premium holidays

You can stop paying your premiums for up to 6 months if you are made redundant, go travelling or are on maternity or paternity leave.

Hazardous pursuits

You can include or exclude these – and we’ll review them if your hobbies change so you’re not paying for something you no longer do.

Choice of Plan term

You can choose any age between 50 to 70 for the Plan to end.

With great support

Member Assistance Programme

We don’t just hand over cash, we offer a helping hand to help you get back to work from practical advice to rehabilitation.

Read more

Rehabilitation benefit

If you claim and could return to your pre-incapacity occupation in a part time or reduced role, you may receive additional benefit for up to 12 months to support your transition back to fulltime occupation.

Proportionate benefit

If you claim 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 your reduced income.

Things to consider

Who is this Plan for?

You qualify for this product if:

  • You are between 18 and 59 years of age.
  • You select a term of at least 5 years your Plan end date.
  • For the last 12 months or more you have been in employment or have a proven trading history of self-employment, and you are working more than 16 hours per week.
  • You’ve resided in the UK for the last 3 years, and been registered with a UK GP for the last 3 years.
  • You have no immediate intention to change your job or move abroad.
  • You have a UK bank account.
  • You are an income taxpayer in the UK.

Things to be aware of

  • Our Plans do not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.

For further details, please refer to the Key Features Document.

How to buy

To make sure you get the Plan that's absolutely right for your needs, we always sell through Advisers.

Find an Adviser right for you:

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