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NatWest Income Protection Plan

Full product details for the NatWest Income Protection Plan income protection policy, including application criteria, policy details, cover, premiums & fees, claims and exclusions.

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NatWest Income Protection Plan Features & Benefits

Cover Type	income
Minimum Age	18 years
Maximum Age	54 years
Maximum % of Income Covered	60%
Maximum Annual Cover	£36,000
Minimum Monthly Premium	£10
Redundancy Cover	no
Hospitalisation Cover	no
Rehabilitation Cover	yes
Guaranteed Premiums	no
Number of Exclusions	4

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Very helpful, thanks

Amenah

Compare NatWest Income Protection Plan With These Income Protection Policies

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NFU Mutual Essential Abilities Policy

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RBS Income Protection Plan

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Application Criteria
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Minimum Age	18 years	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.
Maximum Age	54 years	The maximum age at entry is 54 attained.
Maximum % of Income Covered	60%	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	£36,000	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.
Minimum Annual Cover	£1	There is no minimum annual benefit, this is determined by the minimum premium.