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.

  • Reassuring

    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.

  • Additional benefits

    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.

  • Back-to-work payment

    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.

  • Helping Hand 

    All our Business Menu Plans come with our Helping Hand support service. 

Product details

Find out more information about the options and features of our Income Protection, plan details and terms and conditions.

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