Absence from work because of illness or injury is one of the biggest risks your clients face.
Our Income Protection through our Business Menu Plan pays out a monthly income at the end of the deferred period if the person covered is either unable to work because of an illness or injury and meets our definition of incapacitated.
Benefits of Income Protection through our Business Menu Plan
Choice of payment periods
Your clients can choose from one year, two years, five years or until the cover ends, allowing them to tailor the cost to the business need.
We'll cover up to 65% of the first £15,000 of pre-incapacity earnings, plus 55% of the remainder, up to £250,000 a year.
Fracture cover and hospitalisation payment included as standard. These benefits don't affect the main Income Protection cover, so your clients won't need to wait for their chosen deferred period to end before making a claim.
Clients with deferred periods of 13, 26 or 52 weeks will receive a back-to-work payment in their first and second months back at work to help with the financial impact of returning.
Accelerated claims for terminal illness
If a client has less than 12 months to live, and meets our definition of terminal illness, they won’t need to wait for their deferred period to end before their payments start.
Additional payment on death
If a client dies during the term of their cover, we’ll pay out a lump sum equal to 12 times the monthly premium for their Income Protection.
All our Business Menu Plans come with our Helping Hand support service.
Find out more information about the options and features of our Income Protection, plan details and terms and conditions.
More information and resources
Fair Value Assessments
Understand how our protection products meet the needs of their target markets and help to deliver good customer outcomes.
Fact find template
Use our form to find out more about your clients' businesses to help identify the areas that need most protection.