Sometimes known as Income Protection.
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We use a range of other insurance providers and their products may be more suitable for your needs
- A monthly benefit for up to 24 months
- Up to 90% of your net monthly income
- Variable excess periods
- Unemployment only option
- No lengthy contract
Am I eligible to apply?
To apply you must be aged between 18 and 62, a UK resident in permanent employment of at least 16 hours per week and not aware of any impending unemployment.
What am I covered for?
This policy is designed to provide you with a monthly income should you be made unemployed or redundant.
How much cover can I have?
You can cover up to 90% of your net salary up to a maximum of £3000 per month.
How long does the policy have to be in force before I can make a claim?
The initial exclusion period is the first 90 days after the start of your plan. However, if you are replacing an existing policy which you have held for at least 3 months, then this exclusion will be waived.
How long can I claim?
Claims will be paid until you return to work, or until you have received the maximum number of monthly payments (maximum 24) you have chosen.
When will my benefit payments start?
You can choose the following excess periods; Back to Day 1 or 30 Days. Please note: Payments are made 30 days in arrears, therefore if you choose Back to Day 1 as your excess period your 1st payment will be paid to you 30 days after you become unemployed. If you choose 30 days as your excess period your 1st payment will be paid to you 60 days after you become unemployed.
Can I change my cover?
Yes. Policies are designed with the intention that you can keep the same policy for many years, altering the different commitments that you cover and also the level of cover.
Can I include accident and sickness cover in my plan?
Yes. To get a quotation please contact us on 07946 294 162 and we will call you back.