i:protect: Lifestyle

Product profile

Description

For people looking to cover their monthly outgoings (e.g. mortgage, rent, loan, car finance, credit cards, insurance premiums etc) in the event that a regular income stops due to an accident, sickness or unemployment.

For

• Aged 18 to 64

• Employees, self-employed and some contract workers

   

Period of cover

• Minimum 5 years

• Maximum 40 years

Maximum amount payable

• £1850 a month

• 65% of gross monthly income

Basis of cover

• Monthly policy

• Renews automatically

• Cover ends at age 65 or earlier retirement

• Cover up to 12 months only
   

Benefits

• You choose the amount

• Legal helpline

Options

• Accident, Sickness and Unemployment

• Accident and Sickness only

• Excess days from start of claim before benefit payable - 0 /30/60/90/180

• Waiting period days off work before claim payments - 30/60/90/120/210

Not covered

• Pre-existing medical conditions

• Chronic

• Any mental or nervous disorders including stress and anxiety unless diagnosed by a Community Mental Health team or a consultant psychiatrist

• Normal pregnancy or childbirth unless there are medical complications

Want to know more?

• Lifestyle information from iprotect

• Get a quote

 
Last updated: 30 October 2008