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Product profile
Description
Pays a monthly benefit should illness or injury prevent you working.
For
- Aged 18 to 59
- Employees and self employed earning at least £10,000 a year
- Employees and housepersons earning under £10,000 a year
- All at least 5 years away from retirement
Maximum amount payable
- 60% of gross earnings up to £45,000
- 35% of gross earnings over £45,000
Under £10,000 and housepersons have reduced benefit
Basis of cover
- Preferred occupations - own occupation
- Standard occupations -own occupation for 24 months, then any occupation
- Minimum cover period 5 years
- Limited cover for those not in full time work
Benefits
- You choose the amount
- Guaranteed option to amend cover on specified life changing events
- Waiver of premium
Options
- Deferred period; 3/6/12 months
- Retirement age: 50/55/60/65
- Inflation proofing
- Variable term number of years/until retirement
- Premium can be standard/minimum/to a budget/with holidays
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