Supporting your clients income and wellbeing

The cover is designed for those who want to help protect against a loss of income, if unable to work due to incapacity caused by illness or injury, while covered by the plan.

With our Income Protection Benefit plan, the premium remains unchanged during the length of the policy unless they increase the cover.

Your clients can choose from the following when taking out the cover;

  • Increasing Income Protection Benefit: Helps protect the monthly benefit against inflation.
  • Low Cost option: Helps to reduce the cost of the plan, the benefit is paid out for one or two years for each individual claim (depending on what was chosen at outset).
  • Stepped Benefit: Provides two deferred periods, and two different monthly benefits, all within one plan. Useful for clients with company sick pay schemes. (Not available with Low Cost option)

Please refer to the Policy Booklet for more information on Increasing Income Protection Benefit. 

Income Protection Benefit is not a savings or investment product and has no cash value unless a valid claim is made. This product does not include unemployment cover and therefore will not pay out if your client becomes unemployed.

The monthly benefit we pay out under your client’s plan may affect their claim to benefits paid out under other income protection plans.