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  Income Protection+

Weather the storm with IP

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.

You can call our protection sales and support team on:
0800 056 2181 Open Monday- Friday, 9am-5pm

Quote and apply

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 your clients want to explore all the options.

Find out more

Fracture cover


fracture cover photo

Fracture cover pays a one off lump sum if your client suffers from one of 18 specified fractures 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, surgeons, nurses and midwives

shieldAdditional benefits


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

  • Global treatment - providing access to Best Doctors'/BDUI network of 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.

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 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 of 70, and dependent on occupation. 

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 age at entry Notes

Fracture cover

Max age at entry 59
  • Pays up to £6,000 if your client suffers from one of 18 specified fractures.
  • Fracture cover is available for an additional premium.
  • The benefit will be removed from the policy when a life covered reaches age 70.

Global treatment

Max age at entry 59
  • Global treatment provides access to expert second medical opinion and overseas medical treatments for your client and their children.

  • Cover renews every 3 years and is available for an additional premium.

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, surgeons, nurses and midwives
  • Client must be a doctor, surgeon, nurse or midwife employed by the NHS..
  • Your client needs to set up a policy with a single deferred period of 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 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 personal 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.

We’re proud of the services we offer, helping your clients to live more healthily, caring for them through illness and injury and being there for support. For more information on any of the services listed and what's included with your clients' policy, please read our Support Services Leaflet.

Please be aware that all of the benefits listed below are non-contractual and we can remove them at anytime.

Wellness

Carer Support by Workplace Options
Carers for children, the elderly or those with a disability can access specialist support through Workplace Options, providing access to a range of resources and services to help with some of the challenges faced.  

Get Active Gym Discounts
We’d like to think we can help your customers stay healthy which is why your clients can take advantage of great gym discounts.

Physiotherapy with IRPS
Access to online and/or face to face physio services aimed at helping your client to manage minor conditions and prevent them from getting worse. Depending on the condition they may receive a consultation, an online physio programme, and up to three face-to-face sessions should they need them.

Care

Mental Health Counselling with Workplace Options
Life can be tough sometimes, so it helps to have someone you can talk to. We provide access to face-to-face or telephone-based counselling for your client, their partner and children aged 14 upwards for minor counselling and 8 upwards for family counselling. Parents living in care homes can also benefit too.

Second Opinion by Best Doctors
Gives your client access to Best Doctors' 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 most appropriate 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 client's diagnosis
  • Treatment recommendations

 

Bupa Anytime Healthline
This provides 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 wellbeing. They can also use the service with regards to their loved ones - for example, if they are worried about their children's health.

 

Mother and childBeing there when it matters most


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 client's 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 11/2018