Nobody wants to worry about how they'll pay the bills if they're sick or injured and can't work.
Our Income Protection plans can help you rest a bit easier, safe in the knowledge that you'll still get an income if you're off work because of illness, injury or a terminal illness.
We cover up to 65% of the first £15,000 of your pre-tax earnings, plus up to 55% of the remainder, up to £250,000 a year. And if you're self employed, you can also include certain regular fixed overheads such as business rental costs.
We also include fracture cover and hospitalisation payment as standard.
Remember that these plans don't have a cash-in value at any time and if you stop paying your premiums your cover will stop.
Some benefits of our Income Protection
You can claim if you can't do your own job due to illness or injury, and meet our definition of incapacitated.
Help returning to work
When you're ready to return to work, we could give you a payment to help cover any initial costs.
Practical and emotional support
Our plans come with Helping Hand, a support service that gives you access to a dedicated nurse who can help you and your family during difficult times.
Our plans bought through an independent financial adviser come with Helping Hand - a comprehensive support service that gives you access to a dedicated nurse should you experience illness, injury or bereavement during the term of your plan.
Your dedicated nurse can recommend a number of additional services if they think it’s going to help. For example:
- A second medical opinion
- Support recovering from a heart attack
- Speech and language therapy after a stroke
- Complementary therapies to help manage symptoms or help with recovery
- Access to legal and career helplines for independent advice on employment rights and support in getting back to work sooner.
Helping Hand is a package of support services, provided by third parties that aren’t regulated by the Financial Conduct Authority. These services aren’t part of our terms and conditions, so can be amended or withdrawn at any time.
Waiver of Premium (Sickness)
Waiver of Premium (Sickness) is automatically included when you choose Income Protection.
This means if you have an accident or illness that leaves you unable to work or carry out a number of tasks, you won't have to worry about your monthly policy payments as we’ll pay these for you. You can decide the amount of time between you stopping work and us paying your premiums. The choices are 4, 8, 13, 26 or 52 weeks.
Value of advice
If you think that our Income Protection could be right for you the next step is to speak to an independent financial adviser. There are many benefits to independent advice.