Protect

More inclusive income protection that flexes around your client’s job, income and budget - making it easier to protect modern lives not the stereotypes. And with a human approach to underwriting and adviser support, what’s not to smile about.

Limits

Covers up to a maximum monthly benefit of £10,000 of income before tax with a maximum benefit of £120,000 a year.

Own Occupation

Covers your client for the job they actually do.

Making changes

When life changes, your client can make changes to their policy. In some cases, we won’t ask any extra health and lifestyle questions. You can find full details in our terms and conditions.

Benefit periods

Choice of 1, 2 or 5 years or until the policy ends.
Pays weekly or monthly into your client’s bank account or if your client is claiming Universal Credit, directly to their mortgage lender.
Choose a benefit amount from £216 to £10,000 a month.

Choice of four premium options to suit your clients needs and budgets

Level guaranteed – your client’s premium is guaranteed once their policy starts and will stay the same until their policy ends, unless they make any changes to their policy or select the increasing cover (RPI) option

Age-costed guaranteed premiums - your client’s premium is based on their age and will increase as they get older. We’ll confirm the future increases once the policy starts.

Level reviewable premiums - your client’s initial premium will be guaranteed for the first 5 years once their policy starts, and then may be reviewed where their premiums could go up, or down or stay the same.

Age-Costed reviewable premiums - your client’s premium is based on their age and will increase as they get older. Premium’s could be reviewed after the 5^th policy anniversary, and then may be reviewed where premiums could go up, or down or stay the same.

Age costed premiums offer:

Option of back to day one cover only available if you choose cover until retirement (long term cover).
Choice of 1, 4, 8, 13, 26, 52 or 104 week deferred periods.

Level premiums offer:

A choice of 4, 8, 13, 26 , 52 or 104 week deferred periods.

Increasing Cover

An option you can choose that pays benefits that go up each year in line with RPI. Includes the option to pause increases in cover and premiums.

Sick Pay Protection

Our sick pay protection allows us to be flexible at point of claim for teachers and doctors, surgeons, nurses, midwives and dentists that have NHS sick pay.