Continuous Cover for up to 3 months between contracts. Perfect for contractors as you may not always be working on a project but illness can strike at any time. Gaps between contracts can cause issues with some insurers. Our insurers have factored this into our cover as standard.
Fixed Benefit Option Prove & “Fix” your cover amount at the application stage. This ensures that a 75% proportion of a successful claim will be paid regardless of your income immediately prior to the claim.
Minimum Benefit Guarantee Fix your benefit (up to £1000 per month) in return for providing simplified financial evidence at the point of claim.
Own Occupation Cover Our insurers only ever assess claims against your own occupation regardless of what you do for a living.
Flexible Claims Periods to suit your specific needs & budget. Choose a Limited Claims Period of 2 or 5 years if you want cover at a lower cost or a Long-Term Claim Period (included as standard with selected insurers from our panel), this will pay your benefit amount until a date chosen by you.
Waiver of Premium Included as Standard Some providers will charge an additional premium for this benefit but our insurers can pay the premiums for the duration of your claim after the waiting period until the claims end.
Day 1 Cover Available from the first day you are unable to work (if you are off work 3+ days). Perfect for the self-employed or those who have no sick pay from their employers. Flexible waiting periods are also available from 1 week to 1 year should you have some savings or other income that you can rely on for shorter periods that you may find yourself unable to work.
Guaranteed Insurability Option included as standard with selected insurers. You can increase your benefit by a maximum of 20% or £500 a month (whichever is lower) without providing medical information at significant life stages such as getting married, having a baby or moving house (refer to policy documentation for more info).
Short & Long Term Policy breaks available so cover can change as your needs do.
Simplified Claims Process should you ever need to make a claim.
*Please note that as we use a panel of top UK Insurers, not all features and benefits stated may be available. Your Advisor can explain specific insurers features & benefits during your call
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