Income Protection

Our Income Protection plan provides you with peace of mind - plus a lot more.

Norwich Union's Income Protection Solutions has been designed to be as individual as you are - with the flexibility to choose cover that suits you, whatever your needs.

Key benefits

• Regular income:
  should you be unable to work due to illness or accidental injury.

• Extensive cover:
  replaces up to 60% of your gross earnings¹ to help towards your financial commitments and costs of living, to a maximum of £180,000 per year.

• Personal claims service:
  most claims are dealt with over the phone by our experienced claims advisers.

• Expert support:
  many of our claims advisers are trained counsellors should you need a little extra help.

• Rehabilitation:
  our intervention team are medically trained and will aim to aid your road to recovery and help you return to work as quickly as possible.

• Personal Health Manager:
  all policyholders have access to our telephone and online health services, providing 24 hour GP and Stress Counselling Helplines, along with an interactive health planner and other practical tools.

  Find out more about personal health manager

• Extra benefit payments:
  if you need to spend time in hospital, retire while benefit is being paid or die during a claim.

Flexibility and choice

• Guaranteed or reviewable premiums:
  you choose whether to set the cost of cover for the life of your policy (guaranteed rates) or opt for a reviewable rate, resulting in a lower initial premium which may increase over time.

• Deferred period:
  if you benefit from employer sick pay arrangements or have a ‘rainy day' fund, you may not need your benefit payments to begin right away. You're in control of when you want them to start, with a choice of eight deferred periods.

• Termination age:
  we understand everyone's plans for retirement vary. That's why you can choose the age you'd like your policy to terminate - right up to 70 years old.

• Limited payment term:
  if keeping costs down is a priority, you can choose to limit your claim period to five years, reducing the premiums you'll pay.

• Guaranteed insurability option:
  circumstances change and, sometimes, a regular income can be more important than ever - when you get married or have a child for example. That's why you can increase your cover at these key life stanges, without the need for an additional medical assessment.

• Career break:
  if your lifestyle changes, your cover can too. If you take a career break, to travel or, for example, to have children, you can opt to restrict your cover, reducing premiums until you decide to resume working.

The Key Features document has full information on all cover options.

What's excluded?

There are no standard exclusions under Norwich Union Healthcare's Income Protection Solutions plan.

Any exclusions may be applied as a result of your personal circumstances. However, should this be the case, you will be informed prior to acceptance of your plan.

How much will it cost?

The cost of your premium depends on a range of factors, including:

• Your age
• Sex
• Occupation
• Current state of health
• Whether you smoke
• Whether you are involved in ‘high risk' activities
• How long you want the policy to last
• Level of cover and the options you choose

Your financial adviser can provide you with a personal quote.

More information

• Download the Income Protection Solutions Key Features Document (PDF)

• Help in calculating your cover
• Income Protection claims

¹ 60% of first £25,000 of gross annual earnings. 50% thereafter, up to £180,000.