British Insurance: British Income Protection

Product profile

Description 

Short term income protection should illness or injury prevent you working or you become unemployed.

For

• Aged 18 to 64

• Employees and the self employed and contract workers
   

Maximum amount payable

• 50% of gross monthly income

• £1000 a month

• Whichever is the lesser

Basis of cover

• Normal occupation

• Benefit paid for up to 12 months

Benefits

• You choose the amount

• Monthly renewable policy

Not covered

• Pre-existing medical conditions

• Attempted suicide or self-inflicted injuries

• Backache and related conditions, including back injuries, which are not supported by medical evidence

• A psychiatric illness or mental disorder – including depression, grief when someone has died, stress, or stress-related conditions – which is not diagnosed by a consultant who is a member or the Royal College of Psychiatrists and is recognised by that organisation as being a consultant

Options

• Accident and sickness
• Unemployment

• Accident and sickness and unemployment

Extra information

• Policy underwritten by Assurant General Insurance

Last updated: 16 August 2008