This product is only available to individuals who are permanent UK residents.
The minimum age at entry is 18 attained. The policy is available on the lives of UK residents, individuals who are employed or self employed or housepersons.
The maximum age at entry is 54 attained.
Maximum % of Income Covered
The maximum % of pre-incapacity income payable under the plan is 60%. This is to a maximum of £36,000 per annum.
Maximum Annual Cover
The maximum benefit level is £36,000 per annum. Benefit level The maximum benefit allowable under this policy is £3,000 per month (£36,000 a year). When added to any continuation of salary, wages, benefits in kind, dividends or income due from any other source during or as a consequence of incapacity, the annual amount of benefit payable will be reduced so that the total shall not exceed 60% of normal earnings. For this purpose, income due from any other source includes: - income from your employment - income from a business - income from a pension (but excluding any continuation of regular pension payments which were being received prior to incapacity) - any income paid as a consequence of incapacity (but excluding State Benefit). - regular income under other insurance policies including: - Income Protection/Permanent Health Insurance - Mortgage Payment Protection - Credit card protection - Loan protection - Waiver of Premium Where any such income is taxable, the relevant amount we will take into account will be 80% of the gross amount payable. - The maximum benefit level allowable in respect of Limited Benefit is £1,000 per month or £12,000 per annum.
A fast quote facility is not available.
Minimum Annual Cover
There is no minimum annual benefit, this is determined by the minimum premium.
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