helpucover : Lifestyle Protector

Product profile

Description 

• Combines income and mortgage protection

• Tailored to suit your individual circumstances and will protect your lifestyle if you unexpectedly lose your job, become seriously ill or have a major accident. And because everything is covered under one policy, it helps keeps life simple

Age

• 18 to 64

• Employees or self-employed

Maximum monthly amount payable

£2500 or 60% of your gross monthly income, whichever is less.

Basis of cover

• Normal occupation

• Benefit paid for up to 24 months

Benefits

• You choose the amount

• Back to work support service

Not covered

• Pre-existing conditions

• Chronic conditions

• Any condition of a mental or nervous origin including stress, anxiety, depressions and post-natal depression unless certified and under the continuing care of a consultant psychiatrist

• Backache or related conditions unless there is supporting medical evidence

Options

• Unemployment cover

• Back to Day One (14 or 30 day wait)

• 14 day wait

• 30 day wait

• 60 day wait 

• 90 day wait

• 180 day wait

Last updated: 25 October 2011