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Pioneer: Pure Protection

 

Product profile

 

Description 

  • Pays a regular benefit when unable to work due to illness or injury
  • A highly flexible protection only policy, offering essential high quality income protection cover at affordable rates.
 

For

  • Aged 16 to 54 who are five or more years away from retirement
  • The self-employed and employees
  • Housepersons
  

Not for

  • Armed forces personnel
  • Divers
  • Underground Miners
  • Oil rig workers
  • Professional or semi-professional sports persons
  • Nightclub security personnel
  • Police officers
  • Firefighters
  • Pilots and flight crew
  • Riding instructors
  • Money brokers
  • Stock brokers
  

Maximum amount payable

  • £120000
  • 65% of taxable income up to £60000 and  40% on anything above that
 

Basis of cover

  • Day one basis
  • Pays full cover for period of plan
  • Normal occupation
  • Reduced cover for Housepersons
  • Must advise change of occupation
  • Reduced benefit for partial return to work
  • Premiums increase each year with age

Benefits

  • You choose the monthly amount
  • Can increase benefits at any time
  • Waiver of premium
  • Health Claims Advisory Service
  • No premium loading for occupation
  • No premium loading for sex
  • Same rates for smokers as non-smokers
  • Day1 cover available
 

Options

  • Deferred period; 0/1/4/8/13/26/52weeks
  • Can split cover between two different deferred periods
  • Retirement age  chose between 50 and 65
  • Index linking
  • Career break of up to 10 years

Last updated: 10 February 2008