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Product profile
Description
Protects your income in case you are unable to work due to an accident or illness. It provides long-term income replacement up until retirement if required, helping you maintain your lifestyle if the worst were to happen.
For
- Aged 18 to 54
- Employees, self employed, part-time workers, housepersons, the unemployed
Maximum amount payable
- 60% of your gross earnings
- £36,000
- State benefits for incapacity do not affect the amount of income protection benefit payable
Basis of cover
Normal occupation
Limited cover for non-workers
Proportionate benefit if can do a job other than normal occupation
Proportionate benefit if return to normal work on part-time basis
- Reviewable premiums after 5 years
Benefits
You choose the amount
Index linked benefits
Guaranteed insurability
Rehabilitation service
Disability counsellors
Death benefit if die during first 12 months of claiming
Waiver of premium while benefits being paid
Career break suspension of cover at houseperson level
Options
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