Scottish Widows Protection for Life

Full product details for the Scottish Widows Protection for Life income protection policy, including application criteria, policy details, cover, premiums & fees, claims and exclusions.

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Scottish Widows Protection for Life Features & Benefits

Cover Type	income
Minimum Age	18 years
Maximum Age	60 years
Maximum % of Income Covered	50%
Maximum Annual Cover	£120,000
Fast Quote	no
Minimum Monthly Premium	£6
Redundancy Cover	no
Hospitalisation Cover	no
Rehabilitation Cover	yes
Guaranteed Premiums	no
Number of Exclusions	3

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Compare Scottish Widows Protection for Life With These Income Protection Policies

AEGON Personal Protection

Get 6 months relapse time.
Maximum houseperson cover of £15,000 is offered.
Minimum policy length of 5 yrs.
Increase & decrease insurance alterations permitted is offered to customers.
Over max benefit pension revenue deducted is available with Personal Protection.

Legal & General Income Protection Benefit

This income protection policy offers a max hospitalisation cover of £150.
You can get increase & decrease insurance alterations permitted.
Have the benefit of 12 months relapse period.
5 yrs minimum policy length is available.
£20,000 maximum houseperson cover is offered with Income Protection Benefit.

LV= Mortgage & Lifestyle Protection Plan

Mortgage & Lifestyle Protection Plan gives a minimum policy term of 5 yrs.
LV= gives max houseperson cover of £18,000.
New customers get relapse duration of 6 months.
A max mortgage benefit of 50000 is available from LV=.

British Friendly Society BFS Protect Policy

British Friendly Society gives minimum policy duration of 5 years.
New customers get increase & decrease cover alterations permitted.
Customers will get over maximum benefit pension earnings deducted.
Get a relapse duration of 6 months.

Columbus Lifestyle Protection - ASU (30 day excess)

Age benefit ceases of 65 years is available with the income protection policy.
Get £3,000 max monthly benefit.
Life cover of £0 is available.
Customers can get 61 days period before first benefit.

TenetLime Ltd First Assist IPI ASU (60 days)

£1,000 max monthly benefit is available.
Get life cover of £0.
Get age cover ceases of 65 yrs from this First Assist IPI ASU (60 days).
Customers will get 91 days period before first benefit.

Personal Touch First Assist IPI ASU (BTDO)

Customers will enjoy period before first benefit of 31 days.
You get 65 yrs age insurance ceases from the income protection policy.
£1,000 maximum monthly benefit.
You get life cover of £0.

Application Criteria
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Minimum Age	18 years	The youngest age you can start this benefit is 18 (19 next birthday).
Maximum Age	60 years	The oldest you can start this benefit is 60 (61 next birthday).
Maximum % of Income Covered	50%	The maximum amount of monthly income benefit you can receive if you're in paid employment will be the lower of: - the amount of monthly income benefit chosen at the start including any automatic increases if appropriate, and - 50% of your pre-incapacity earnings. The maximum amount of monthly income benefit a houseperson can receive is £10,000 a year.
Maximum Annual Cover	£120,000	The maximum benefit per annum is £120000. You choose the amount of monthly income benefit you'll need, however, the highest amount of monthly income benefit you can select at the start of the policy is £120,000 a year. The maximum amount of monthly income benefit you can receive if you're in paid employment will be the lower of: - the amount of monthly income benefit chosen at the start including any automatic increases if appropriate, and - 50% of your pre-incapacity earnings. The maximum amount of monthly income benefit a houseperson can receive is £10,000 a year.
Fast Quote	no	A fast quote facility is not available.