Ant Insurance : Income Protection Insurance for public sector workers

Product profile

Description 

To protect all or any of your monthly outgoings such as food, credit cards, utility bill, council tax, loan or mortgage should accident, sickness or unemployment prevent you from working.

If you receive full sick pay benefit and you want to protect your income against Accident, Sickness and Unemployment then normally you would have to pay the same price as everybody else. Ant recognise this and have reduced premiums allowing people with longer full sick pay benefit to make greater savings, up to an additional 15%.

For 

• Aged 18 to 64
• Employees
• Working in the public sector

Maximum amount payable

• £1500 a month
• 75% of net income

Benefits

• You choose the amount

• The payments you receive are tax free and are in addition to Statutory Sick Pay or Job Seekers Allowance

• The longer your sick pay entitlement, the cheaper your cover

•  

  Claims paid in full during 1/2 sick pay period

•  

  Premium based on age

• No medicals are required

• Individual habits eg smoking, do not affect your eligibility

• Includes dangerous occupations and dangerous pursuits

• Includes backache and stress

Options

• Accident and Sickness only
• Unemployment only
• Accident, Sickness and Unemployment
• Maximum benefit for 3 or 6 or 12 months  
• Back to Day One cover after 30 days

Not covered

• Chronic conditions
• Pre-existing medical conditions

Want to know more?

• Income Protection for public sector workers information from Ant Insurance
  

Last updated: 3 January 2008