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Product profile
Description
Pays a monthly benefit should illness or injury mean you can no longer do a number of specific day to day activities
For
Aged 18 to 69
The self employed
Employees in higher risk occupations such as HGV drivers, nurses, builders and motorcycle couriers
Homemakers
All with at least five years until retirement
Maximum amount payable
Basis of cover
Functional mental and physical ability, not ability to carry out a specific or any occupation
Two measures of incapacity; Physical Test and Mental Health Test
Physical Test ; incapacitated if cannot do any 3 of 11 tests
Mental Health Test ; incapacity judged by psychiatrist
Benefit for Mental Health maximum 24 months
Benefits not reduced by sick pay or state benefits,
Benefits
To replace income or maintain key items of expenditure
You choose the amount
No need to advise change of occupation
Waiver of premium while benefits being paid
Rehabilitation service
World-wide cover
Options
Last updated: 23 Aug 2007
