Your clients can choose between level or increasing cover, they can select the length of their deferred period, and choose how long they want their cover to pay out for.
Benefits of our Income Protection
We'll cover up to 65% of the first £15,000 of a client's pre-tax earnings, plus up to 55% of the remainder, up to £250,000 a year.
Fracture cover and hospitalisation payment 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.
Minimum benefit amount
The amount of cover paid out at claim will never be less than the lower of £1,500 each month, or the amount of cover on their plan. For your clients who are doctors or surgeons, we'll increase the minimum benefit amount to £3,000.
All our Personal Menu Plans come with our Helping Hand support service.
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.
Special arrangements for NHS medical professionals
For your clients employed by the NHS, or those eligible for a sick pay structure which matches that of the NHS, we offer a special deferred period arrangement. We also offer sabbatical cover for eligible medical professionals for up to 12 months.
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.
Data capture form
You can download this form to capture the information you'll need from your clients to help you when you're ready to apply.