Income Protection - Cover Options

Important

Our Income Protection is currently not available for purchase. If you have a client who is an existing policyholder, we'd like to assure you that they are not affected by the changes in availability of this product, and can continue to claim in line with the terms and conditions of their current policy.

Cover Options

IncomeShield can be tailored to meet your clients' circumstances and budget; keeping them in complete control of the cover they have.

They select how much of their monthly income they want to insure, the type of cover they want, how long they want to be covered for and when they'd receive their first payment if they needed to claim.

Your clients can even choose whether they'd like to defer paying for their policy for the first two months.

Your clients' options

Cover Amount
  • £100 - Up to £2,000
  • *Max. 65% of their gross monthly income
Type of Cover
  • Accident & Sickness only
  • Unemployment only
  • Accident, Sickness & Unemployment
Cover Length
  • 12 Months
  • 24 Months*
  • *Unemployment only not available
Qualification Period
  • 30 Day Back-to-Day-One
    Receive first payment 31 days after claiming for days 1-30
  • 30 Day Excess
    Receive first payment 61 days after claiming for days 31-60
  • 60 Day Back-to-Day-One
    Receive first payment 61 days after claiming for days 1-60
  • 60 Day Excess
    Receive first payment 91 days after claiming for days 61-90
  • 180 Day Excess
    Receive first payment 211 days after claiming for days 181-210
First Payment
  • From the start
  • Deferred for 3 months
  • Deferred for 6 months

We want to let you know...

As with all insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any sickness within the initial exclusion period and any pre-existing medical condition that your clients haven't been symptom-free from in the 12 months before the policy start date.

These are only examples. For full details of what's covered and what's not covered, please read our Income Protection policy document. Alternatively, you can find further information in our Insurance Product Information Document (IPID) for Income Protection.

Need Help?

  • Call our BROKER SUPPORT TEAM on 0345 0615 100
  • Monday - Friday
    9am - 5pm