A 5 Star Defaqto Rated protection product that suits a wide range of clients:
- Two-year short-term and long-term (‘until retirement’) plans available
- No loading of premiums, regardless of health, occupation, smoking status or even BMI up to 38
- Up to 70% of pre-incapacity income covered for the employed and self-employed
- All medical conditions are reviewable
- Flexibility for your clients with the Guaranteed Insurability Option to increase cover when certain life events take place, and Career breaks available between 3 – 24 months.
Benefits created with clients in mind:
- Additional support to help members return to work, including access to counselling, mental health advice and physiotherapy providers.
- A £250 New Child Payment - into a Shepherds Friendly Junior ISA.
- Short-term family income benefit – If the Income Protection plan member dies, their family will receive £6,000 over a period of six months.
Hassle free underwriting and claims:
- 96.26% of claims paid in 2019
- A supportive and qualified team of underwriters for expert guidance
- The underwriting team provide dedicated points of contact for you and quick decisions for your clients.
- For those aged between 50 and 80, with no medical questions asked
Fixed cash lump sum:
- Paid to the client’s family, that we will never reduce unless the client chooses to reduce their monthly premium
Flexibility in what they pay:
- The client can choose to reduce their monthly premium if needed, and take out multiple plans to increase the total level of cover
Funeral benefit option:
- The client can receive an extra £300 towards the cost of their funeral by choosing Golden Charter to take care of the day
Access to National Bereavement Service:
- The client’s family will receive counselling, guidance and support