A snapshot of our Waiver of Premium (Sickness)

How would your clients pay their premiums if they were injured or too ill to work? Our Waiver of Premium (Sickness) reassures your clients that their premiums would continue to be paid.

What is Waiver of Premium (Sickness)?

Our Waiver of Premium (Sickness) covers your clients' premiums should they become ill or injured and meet our definition of incapacitated. Or if they're diagnosed with a terminal illness that meets our definition.

Client benefits - Waiver of Premium (Sickness)

• Extra reassurance - your clients' premiums are covered if they can't work because of illness or injury and meet our definition of incapacitated; or if they're diagnosed with a terminal illness and have less than 12 months to live.
• Choice - we'll start paying your clients' premiums a certain number of weeks after they become ill. They can choose the length of this deferred period - 4, 8, 13, 26, or 52 weeks. If their circumstances change, your clients can usually change the deferred period.
• Accelerated claims for terminal illness - If your clients are diagnosed with a terminal illness that meets our definition, they won't need to wait for their deferred period to end before we start paying their premiums. 
• Automatic inclusion - Waiver of Premium (Sickness) is automatically included when your clients take out our Income Protection.

Want more information?

See all the features of our Waiver of Premium (Sickness)