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.
People who want the security of income protection and the option of guaranteeing their benefit from the start of the Plan.
Our premiums start at £10 a month.
Guaranteed for the first 5 years, then reviewed annually.
Guarantees your benefit up to £1,500 per month
Above £1,500 per month, with proof of earnings
We cover up to 60% of your gross income up to £100,000 – and payments are tax free under current rules.
Our Plans cover you whether you get ill or have an accident or injury - wherever it happens.
Unlimited claims can be made during duration the of the Plan.
If you stop paying your premiums your cover will cease.
You should discuss with your Adviser how any state benefit may affect the cover you need.
This Plan does not cover you for redundancy or unemployment caused by anything other than illness or accidental injury.
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.
You can choose any age between 50 to 70 for the Plan to end.
You can choose to have a level benefit or for it to keep pace with inflation.
We know that circumstances change – so you can increase or decrease your cover.
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.
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.
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
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 work.
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.
You qualify for this product if:
For further details, please refer to the Key Features Document.