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NFU Mutual : Essential Abilities Policy

 

Product profile

 

Description 

This is for people who don't have a full time paid occupation or who perform a job or activity that can't normally be covered by a standard income protection policy. It doesn't look at your earnings or your ability to carry on working, instead it provides a regular monthly benefit (tax-free) if you suffer an illness or injury that means you are unable to perform a number of specified basic daily tasks.
 

For

  • Aged 18 to 59
  • Employees and self employed in special occupations
  • Part time workers and Housepersons
  • All at least 5 years away from retirement
 

Maximum amount payable

  • £20000 a year
 

Basis of cover

  • Inability to do specific day to day activities-Abilities Test
  • Suffer serious mental illness-Mental Health Test
  • Suffer serious loss of vision-Seeing Test  o
  • Minimum cover period 5 years
  • Reviewable premiums
  • Benefit continues as long as test met, even if return to  full or part time or less well paid work

Benefits

  • You choose the amount
  • No need to advise change of occupation
  • World-wide cover
  • Rehabilitation service
  • Waiver of premium while benefits being paid
 

Options

  • Deferred period; 4/8/13/26/52 weeks
  • End at any age up to 65
  • Index-linking

Last updated: 1 July 2006