We pay out if illness or injury prevents your client from doing their actual job, not just their occupation.

If we’re able to offer your clients cover, we’ll cover them for their own job. We don’t offer new clients an activities of daily working definition, as this rarely results in a successful claim.

Premium Waiver has 28 days deferred period as standard, regardless of your client’s chosen Income Protection deferred period.

We’ll start waiving their Income Protection premiums 28 days after they’re unable to work, even if they’ve not lost any income yet.

Clients can choose a full-term payment period, or a 2-year payment period which will reduce their premiums. And they have a choice of the following deferred periods: 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks.

You can add our optional Children’s Critical Illness Protection to any adult cover, including stand-alone Income Protection.

You can choose any amount from £10,000 to £100,000, limited to the annual adult cover amount, multiplied by the cover term (if Income Protection is the only adult cover). What’s more, it can be added or removed at any time in the future.

Clients can cover a maximum of 65% of their annual earnings up to £60,000, 50% of annual earnings over £60,000 and up to £100,000, and 45% of annual earnings over £100,000.

Our Minimum Cover Guarantee protects against a future drop in earnings. If, when your client claims, their earnings don’t support their full cover amount, we’ll apply our £1,500 a month guarantee.

Our anniversary emails remind clients of the benefits of their policy, including the additional benefits they can use anytime. It also prompts them to speak to their Financial Adviser if their income changes, so you can make sure their cover remains aligned to their earnings. You can view a copy of the emails your client’s will receive each policy anniversary below, depending on if they have level or increasing cover.

Clients can choose to receive their payouts from us weekly or monthly. And they can choose which day of the week, or date of the month, so they don’t need to rearrange standing orders and direct debits.

We may be able to reduce a client’s premium if they were paying an increased amount due to their health or lifestyle and they subsequently:

• Stop smoking
• Change job
• Give up sports activities

Income Protection is part of our Protection Menu. So, you can combine with our other cover types from either our Essentials or Protection ranges to create a single policy that meets your client’s needs perfectly.

Easily reduce the cover amount for up to 12 months, if clients take an unpaid work break, such as taking a sabbatical or unpaid parental leave. Clients can reduce their cover to 10% of their cover amount, or a minimum of £2,500 a year, whichever is higher. Their monthly premiums will also reduce.

If during your clients’ deferred period they’re admitted as an in-patient to a UK hospital for 7 consecutive nights or more (up to a maximum of 90 nights) due to illness or injury, we’ll pay £150 for every night from night one.

We offer most policyholders the chance to add to their cover for key life events with no underwriting, no medical evidence and no application form.

Policyholders who have the guaranteed increase option on their policy can add to their cover with no underwriting, no medical evidence, no application form, up to the age of 55. See the Income Protection policy terms and conditions for more details.