Our insurers only ever assess claims against your own occupation regardless of what you do for a living & how long your claim lasts.
(evidence of income only required if a benefit of £5833+ is requested)
Which suit your specific needs & budget.
This means should you need to make a claim it will pay out for a term set by you - 2 or 5 years (perfect for those on a tighter budget & want cover at a lower permium cost).
Included as standard with selected insurers from our panel* – this will pay your benefit amount until a date chosen by you.
Get cover 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.
Also available from 1 week to 1 year should your employer offer some duration of sick pay.
So you can rest assured, should you ever need to make a claim, your in safe hands.
Enables you to fix up to 75% of your initial benefit by providing financial evidence.
Allows you to fix your benefit (up to £1000 per month) by providing simplified financial evidence at the point of claim.
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)
So your cover can change as your needs do.
State Benefits such as Statutory Sick Pay (SSP) or Employment & Support Allowance (ESA) will not be deducted from your monthly payments should you need to claim. Leaving you with as much money in your pot as possible at a time when you need it the most.
*Please note that as we use a panel of Insurers, not all features and benefits stated may be available. Your advisor can explain specific insurers features & benefits during your call.