PruProtect has launched two new income protection policies. ‘Primary Cover' is a lifestyle protection product while ‘Comprehensive Cover' is enhanced with stronger benefits and features. Both products come with PruProtect's unique Vitality programme where premiums can decrease but not increase.
The products include a financial underwriting guarantee, which means that if earnings are evidenced at the application stage no further information about the salary prior to claim will be required. Other features available include:
- Own occupation definition of disability
- New recovery and back to work benefits
- Optional unemployment cover
- State benefits and waivers not deducted at claim stage
PruProtect's unique Vitality programme with Lite Rewards will also be available to all new policyholders. Under the programme policyholders who participate in a healthy lifestyle will see their premiums decrease in future years, but not increase. Members will also receive discounts from a range of partners including subsidised gym membership, health screens, Eurostar travel and more.