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  Income Protection+

Our new proposition

Cover that helps meet your client's needs


Our Income Protection+ is a long term policy that pays out if, during the policy term, your client can't work and suffers a loss of earnings due to illness or injury. It pays a proportion of your client's income to help support them financially whilst they are unable to work or for a fixed period of time. 

A range of extra benefits and support services are included as standard, as well as a choice of annual increase options.

Quote and apply

Key information


You can call our protection sales and support team on:

 0800 056 2181

Open Monday - Friday, 9am - 5pm



Why choose Income Protection+ for your clients?


 In focus guide

Take a look at our guide for a customer overview.

Find out more

It's a sad fact of life that your client's outgoings wouldn't necessarily stop if their income did. But with our Income Protection+ policy, we can help them cope financially if they are unable to work because they're sick or injured.

We know only too well what an impact illness and injury can have on earning a living. As one of the largest insurers in the UK, that's why we've created a flexible policy that can be designed to suit individual needs.

Our policy offers much more than just basic financial protection. Getting back to work can present a number of challenges. Our claims team offer a range of support services that can help. These services can mean the difference between being off for a couple of weeks and being unable to work for a much longer period.

Cover that goes above and beyond


As well as the range of benefits covered as standard under our policy, Income Protection+ also offers the option to add further cover at an additional cost should your client need it.

Global treatment


global treatment photo

Global treatment makes overseas treatment and access to expert medical opinion possible at a time when you'll want to explore all the options.

Find out more

 

Fracture cover


fracture cover photo

Fracture cover pays a lump sum if your client suffers from a specified fracture, dislocation, tendon rupture or ligament tear during a 12 month period.

Find out more

 

shieldMore choice



The ability to select the following allows you to tailor cover to your individual client's needs: 

  • The cover amount and the policy term
  • Full cover to term or 2 year limited payment term
  • A range of deferred periods including dual deferred
  • Increasing cover - our answer to indexation

shieldBenefits included as standard



Income Protection+ comes with a wide range of benefits available at no extra cost: 

  • Waiver of premium
  • Back to work benefit
  • Hospital benefit
  • Family carer benefit
  • Trauma benefit
  • Benefit guarantee
  • Deferred period arrangement for NHS doctors and surgeons.

shieldAdditional benefits


Income Protection+ also offers the following at an additional cost: 

  • Global treatment - providing access to Best Doctors' network of top medical experts and covering the cost of overseas treatment for certain serious illnesses or medical procedures.
  • Fracture cover - offers additional cover for a range of fractures, dislocations, tendon ruptures and ligament tears.

Here are some of the things you need to know about our Income Protection+ policy:


Cover types

Cover type

Detail

Full cover to term

  • Pays the benefit for the time the client is unable to work and suffers a loss of earnings for each successful claim.
  • No limit on the number of claims that can be made.

Limited payment term

  • Pays the benefit for a maximum of 24 months for each successful claim.
  • No limit on the number of claims that can be made.

Limits


 Criteria  Min/max  Detail  Notes

Full or limited term benefit

Max age at entry

59

  • Pays out a fixed benefit for either the full term of the policy or for a fixed term up to 24 months.
  • The plan must end before your client's 71st birthday.

Term

Min term

5 year

  • The policy term can be in full years or until the client reaches a specific age.
  • The minimum age a policy can end is age 50.

Max term

52 years

  • Subject to maximum age limit.

Payment limits

Min premium

£5
  • Premiums are payable monthly by direct debit.

Cover limits

Max cover amount

 N/A
  • 65% of the first £10,000 of gross earnings, 55% of everything above this up to £100,000 of gross earnings, and 45% of any gross earnings above £100,000 to a maximum of £240,000 a year (£20,000 a month).

Options

Option Maximum Detail Notes

 

Fracture cover

 Max age at entry  59
  • Pays up to £6,000 if your client suffers from one of 28 specified injuries, which include fractures, dislocation, tendon ruptures and ligament tears.
  • Fracture cover is available for £3 per month.
  • The benefit will be removed from the policy when a life covered reaches age 70.

Global treatment

 Max age at entry  74
  • Global treatment provides access to expert second medical opinion and leading overseas medical treatments for your client and their children.

  • Cover renews every 3 years and is available for £4 a month.

 Increasing cover Max age at entry  59
  •  The cover amount will increase each year in line with RPI or by a fixed percentage of 3% or 5%. If the cover increases so will the premium. The increase automatically happens on an annual basis. 
  • If the RPI does not increase, or your client chooses not to accept the increase then their cover amount and premium will remain the same. 
  • Please note that in the event of an increase the premium will increase at a higher percentage rate than the cover amount. For RPI increases, the maximum the cover amount can increase by is 10% and the premium could increase by a maximum of 15%.
  • Your client can choose not to increase their benefit amount if they don't want to pay the higher premiums and we'll reinstate the increasing cover option the following year.

Benefits

Benefit Notes
Waiver of premium
  • If we accept your client's claim, we'll pay their premiums 13 weeks after they stop working due to illness or injury, or when their deferred period ends, whichever is sooner.
  • Your client will need to start paying their premiums again when their claim ends.

Back to work benefit

  • We'll pay a reduced benefit which takes into account any partial loss of earnings due to illness or injury.

Maternity, parental or adoption leave or the first 3 months following redundancy

  • If your client is ill or has an injury during the first 52 weeks of maternity, parental or adoption leave or within 3 months of being made redundant, we will base their claim on their occupation and earnings prior to this leave.

Restricted benefit

  • Restricted benefit applies if your client's circumstances fall outside of those covered under maternity, parental, adoption or redundancy leave as set out above.  

  • If your client is not working before their illness or injury, benefit will be paid for a maximum of 12 months.

Hospital benefit
  • Pays £100 a night for a maximum of 90 nights during the policy term.
  • Your client must be in hospital for more than six consecutive nights.
Family carer benefit
  • Family carer benefit is paid if your clients' spouse, civil partner or child suffers from an illness or injury that means they can't perform certain activities for more than three months. 
  • Pays the benefit amount or £1,500 per month, whichever is lower.
  • Benefit is paid for a maximum of 12 months during the policy term.
Trauma benefit
  • We'll make one payment of six times the benefit amount or £40,000, whichever is lower, if your client suffers one of six traumatic events.
Deferred period for NHS doctors and surgeons
  • Client must be a doctor or a surgeon employed by the NHS.
  • Your client must set up a policy with a dual deferred period of 26 and 52 weeks.
  • We'll reduce the deferred period, subject to a minimum of 4 weeks, meaning we'll start paying benefit to cover the client's NHS earnings when their sick pay from the NHS reduces or stops.

Doing protection business just got easier


We're committed to making it as easy as possible to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time. 

Tracking guide

ALPS tracking guide


Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our e-guide to learn how tracking can help your business.

Download the guide

 

ALPS system guide


The ALPS online platform helps you to manage your cases quickly and effectively. Our e-guide will help you get to grips with the system in no time. 

Download the guide

 

System guide image

Portals guide

Portals guide


Everything you need to know in order to access, quote and apply for our new products.

Find out more

 

Reasons why

Reasons why


Use our handy reasons why paragraphs to craft your recommendation letter.

Find out more

 

Family together

Looking after your client and their family


When you recommend one of our protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters. Of course this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

The following are non-contractual benefits which we could remove at any time.

For more information on any of the services listed below, please read our guide to Support Plus

Bupa Anytime Healthline

Bupa Anytime Healthline is a telephone support service that gives your client access to a qualified nurse 24 hours a day, 7 days a week. Your client can use this service to get answers to any questions or concerns they may have about a specific medical condition or to get practical advice on their general health and well being. They can also use the service with regards to their loved ones - for example, if they are worried about their children's health.

Physio treatment (just for the policyholder)

Aches and pains in muscles and joints can affect anyone, at any time, and they're all frustrating. Income Protection+ includes support to help your client restore body movement after an injury or illness, and they can contact this service twice a year for different problems.

Physio treatment is available exclusively on Income Protection+. Using the benefit couldn't be easier - all your client has to do is call. They'll get a clinical assessment over the phone with a qualified clinician who'll talk through their symptoms and assess the severity of their condition.

Depending on the outcome, your client will be offered either:

  • an online personalised programme of exercises, supported by videos and emails with more information and guidance, and follow up calls to check on their progress; or
  • access to our network of physiotherapists for treatment in their local area, so they can assess your client's symptoms face to face. We'll provide up to three physiotherapy sessions at no extra cost to your client.

Second Opinion by Best Doctors

Second opinion by Best Doctors gives your client access to their network of medical experts who can give them answers to any questions they may have. Once your client has contacted Best Doctors, they will collect their medical records and choose the best medical specialist for their condition. The doctor will then review your clients' case, providing their expert medical opinion in a report which includes:

  • Confirmation of your clients' diagnosis
  • Treatment recommendations

Counselling and carer services

Life can be tough sometimes, so it helps to have someone you can turn to. That’s why each of our protection policies includes access to counselling and carer support services provided by Workplace Options.

Workplace options offers face to face or telephone based support for your client and their family, giving help with:

  • Mental wellness issues such as bereavement, work-related stress and relationship breakdown.
  • Facing the challenges that come with being a carer.

Being there when it matters most


Mother and child

Income protection claims can last for months, years, or in some cases decades. When recovering from illness or injury, getting back to work can present a number of challenges. Our claims team offer a range of support services that can help. Our support is tailored, so your client will benefit from the services that could specifically help them. Our claims team includes clinicians and specialists in rehabilitation, psychiatry and physiotherapy.

There'll be advice from our intervention team on medical services that may help, such as physiotherapy or psychiatric therapy. Our rehabilitation claims visitors can talk about the state benefits your client may be able to claim while they can't work - and our claims consultants will also be on the end of the phone to answer any questions and provide support throughout your claim and illness.

To make a claim, they can call the team on:

0800 158 3105

Lines are open Mon-Fri from 8:30am til 5pm.

Protection planning

Our protection articles can help support your financial planning process and offer the opportunity to earn CPD hours.

Claims information

If your client needs to make a claim, you can feel confident that we'll get things right for them at a difficult time.

Underwriting centre

Developed and tested with advisers, a one stop shop for everything you need to know about our underwriting.

Tools & calculators

Access a wide range of handy tools and calculators, designed to help both you and your clients.

Contact us

You can find contact details for each product area in the drop-down list:

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WA02243 11/2016