Holloway : Classic Plus

• Aged 18 to 54 who are five or more years away from retirement
• The self-employed and employees

   

Maximum amount payable 

• Weekly benefit £700
•  £36400 a year
•  60% of earnings

• Deferred basis
• Pays full cover for period selected
• Own occupation for first 24 months of claim
• Any suited occupation after first 24 months
• Must advise change of occupation
• Proportionate benefit for return to lower paid work
• Rehabilitation benefit for partial return to work
• Guaranteed premiums increase in age-bands

Benefits

• You choose the monthly amount
• Premium does not depend on sex, occupation or smoking
• Can increase benefits at any time
• Bonuses after 3 years
• Tax free cash sum at retirement date
• Terminal illness benefit
• Medical expenses benefit
• Waiver of premium
• Career break

Options 

• Deferred period; 4/8/13/26/52weeks
• Retirement age  50 to 65
• Level or increasing benefit

Not Covered

• Cosmetic surgery
• Pregnancy