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Unum: Primary Income Replacement Plan

 

Product profile

 

Description 

Pays a monthly benefit  for a selected period ,should illness or injury mean you can no longer work
 

For

  • Aged 18 to 69
  • The self employed and freelances
  • Employees
 

Maximum amount payable

  • 50% of  pre-tax earnings
  • 5 times loan or financial commitment 
  • £200,000 a year
 

Basis of cover

  • Usual occupation
  • Benefits not reduced by state benefits
  • Benefits reduced by sick pay

Benefits

  • You choose the amount
  • No need to advise change of occupation
  • Index linked benefits
  • Waiver of premium while benefits being paid
  • Lower benefit if return to part-time or less well paid work
  • Can increase cover on marriage, childbirth, increased mortgage
  • Rehabilitation service
  • World-wide cover
 

Options

  • Deferred period; 4/8/13/26/52 weeks
  • Five or more years cover
  • Retirement age 65
  • Guaranteed or reviewable basis
  • Career Break
 
Last updated: 24 Aug 07