Income Protection
Tailored plans for income and wellbeing
Income protection pays your client a monthly income if they can’t work because of an illness or injury. Our plans offer more than just financial protection, with access to Wellbeing Support provided by RedArc Assured Ltd and Rehabilitation Support Services included as standard to help your client regain their health and return to work.
Income Protection policy options
Your client can choose from two core products:
Income Protection Benefit
The premium won’t change during the length of the policy, unless your client makes any changes.
Low Start Income Protection
Cover for a lower premium, which increases each year with age. Shares many of the features and benefits of Income Protection Benefit.
Key documents and tools
Key documents
Key documents
Tools and calculators
Reasons to recommend Income Protection
Suits different needs with deferred periods ranging from 4 weeks to 52 weeks
In-house back to work rehabilitation included as standard to help recovery
Choice of plans offers flexibility, with Low Cost options available
Key features and benefits
Fast underwriting decisions
80% of underwriting decisions receive an instant decision.
Changing Your Policy option
Allows your client to increase cover on specified events, without further medical questions. Eligibility criteria and restrictions apply.
We’ll beat competitors
In some instances, you may be able to use Price Beater to get the best price for your client. Please see our Price Beater guide for more details.
Return to work support
Proportionate Benefit means we’ll top up your client’s salary with a proportion of the monthly benefit if they return to work at reduced capacity.
Stepped Benefit option
Stepped Benefit option can be chosen to help plug any gaps in employee benefits, so your client won’t lose out or overpay their premium.
NHS sick pay protection
We can match the sick pay structure for NHS dentists, doctors, midwives, nurses and surgeons on Income Protection Benefit policies.
Support from Umbrella Benefits
Rehabilitation Support Service
Included as standard with income protection. Supports a quicker return to work, and good physical and mental health.
Wellbeing Support
Access included as standard on protection policies. Personalised practical and emotional telephone support from a registered nurse.
Fracture Cover
Covers multiple claims a year if your client gets a specified injury, up to £4,000 a year. Available for an additional £5.90 a month*.
Care Concierge
A free telephone service which gives your client and their family access to later life care experts.
* Insured by AXIS Specialty London. The support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU
Cover overview
For full details, download the Product Profiles PDF size: 905KB document.
Income Protection Benefit | Low Start Income Protection |
Minimum cover |
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Maximum cover |
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Type of cover |
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Minimum term |
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Maximum term |
Depends on the age of the client when the policy ends:
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Minimum age |
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Maximum age |
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Premiums |
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Benefits and options
Income Protection Benefit | Low Start Income Protection |
Deferred period |
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Low Cost Options |
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Stepped Benefit |
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Continuous Cover |
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Hospitalisation Benefit |
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Income Guarantee |
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Life cover |
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Linked claims |
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NHS sick pay protection |
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Proportionate Benefit |
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Rehabilitation Support Service |
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Wellbeing Support |
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Fracture Cover |
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Waiver of Premium |
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Changing your policy (previously known as Guaranteed Insurability Option) |
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Other changes |
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What if my client needs to make a claim?
It’s important your client contacts us as soon as possible when they need to make a claim, as it can take us time to gather all the information we need. For us to fully assess their claim, we’ll need to receive all the information we request from your client and any third party (such as a Doctor). We want to avoid delays to their benefit being paid.
Key points to know about your client’s claims process:
- Your client should contact us to make a claim as soon as they’re unable to work if they believe their illness or injury will likely continue past their chosen deferred period. They can contact us:
- online via My Account at landg.com/myaccount
- or call us on 0800 027 9830.
_ - So we can assess their claim, we’ll ask them to send us details of their illness or injury. We’ll also ask for their permission to contact their doctor for medical information and ask for contact details for their doctor. We’ll also need contact details for their employer and proof of earnings, as well as any other relevant information. If they can provide this as soon as they can, we can help them as quickly as possible.
_ - We sometimes rely on third parties such as healthcare providers and the NHS to provide evidence, which can mean delays to when your clients claim will be assessed.
_ - Their benefit will be paid on a monthly basis in arrears. This means we aim to send their first payment 1 month after the end of their deferred period. This is the minimum number of weeks we’ll wait before we start paying their monthly benefit. However, this may be delayed if it takes longer for us to be notified, or to assess and approve their claim, meaning that their claim may not be paid out immediately. This is more likely if they’ve chosen a short deferred period, such as 4 or 8 weeks.
_ - If this happens, we’ll make their first payment as soon as possible after their claim has been accepted. This will include any backdated payments due in line with the terms and conditions. It’s important they consider any financial arrangements they need to make so they can continue paying their bills until their claim can be paid.
_ - When they make a claim, we use their income from just before they became sick or injured to work out their monthly benefit. This means if they’ve changed their hours or are earning less than they were when their policy started, their monthly benefit might be lower. It’s important to regularly review to make sure their cover still meets their needs. So, if their income increases or decreases, they may want to review their Income Protection Benefit.
_ - If your client is experiencing financial difficulties, they can let their claims assessor know.
_ - More information can be found in your client’s policy documents.
More from Adviser Protection
These products do not include unemployment cover.