Product profile
Description
Pays a regular benefit when you are unable to follow your profession or occupation due to illness or injury
For
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Aged 18 to 54 who are five or more years away from retirement
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The self-employed and employees
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In list of approved low risk professions
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With road mileage of under 25,000 miles a year
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Minimum salary £20,800
Maximum amount payable
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£100,000
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50% of gross income
Basis of cover
- Pays full cover for period of plan
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Own occupation basis
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Must advise change of occupation
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Reduced benefit for partial return to work
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Premiums increase each year with age
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Non-smoker discounts
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Rates vary between men and women
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Review every three years
Benefits
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You choose the monthly amount
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Can increase benefits at any time
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State benefits not deducted
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No standard exclusions
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Health Claims Advisory Service
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Long-term career break
Options
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Choose between financial underwriting on acceptance or at the point of claim
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Deferred period; 0/4/8/13/26/52weeks
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Retirement age ; chose between 50 and 65
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Index linking
Last updated: 21 October 2008
