Income Protection
If you require more specific help on this or any other of our products, please contact us either by email or telephone. To obtain a quote select "Get Quote"
What is Income Protection?
This provides a replacement income usually up to 60% - 65% of normal earnings, should you become unable to continue working through sickness or accident. Income starts after a waiting period or deferred period and continues until the policyholder recovers, dies or the plan reaches the agreed end date. In the event that a claim is made under the policy this may effect any entitlements to state benefit you may have. Full details on request.
Is there a minimum period?
Yes. Minimum term is 5 years with a maximum agreed end age of either 60 or 65 years depending on your occupation.
Can it be Index- Linked?
Yes. The policy can be index-linked to the Retail Price Index to protect against inflation.
Can the cover reflect changes in my earning power?
This is known as Flexible Income protection and the cover can be increased to move in conjunction with pay increases and career moves. This is usually carried out on an annual basis and does not require further medical information.