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Income Protection Options and Other Benefits

Use these options to create an income protection policy that suits your needs

Deferred period

This is the time you have to be off work before the policy starts to pay out. You can choose between - 14 days (not available when unemployment cover is chosen), 30 days, 13 weeks and 26 weeks.

Benefit period

You can choose for the policy to pay the monthly benefit for a maximum of 12 or 24 months. The 24 months option is not available when unemployment cover is chosen.

Index linked benefits

Choose this option and every year we will increase your monthly benefit by 5% (to the nearest £50). This helps ensure that your policy keeps up with inflation.

Joint policy

When you choose to include a partner on your policy, or take out a joint policy, up to 4 named children (aged 3-16) will be covered against accidents at no extra charge.

Additional benefits

Cover for non-earners

We can cover people with no income (such as a house wife/husband) for up to £300 monthly benefit, which will be paid out if they are unable to perform their daily tasks.

Premiums to suit all pockets

Our premiums are not affected by whether you smoke, your occupation or what hobbies you participate in during your spare time. Instead our premiums are based upon the level of cover you choose and what additional options you decide to include.