Reasons to recommend
OWN JOB DEFINITION
We pay out if illness or injury prevents your client from doing their actual job, not just their occupation. It’s a small difference in definition that provides greater certainty of a payout.
PREMIUM WAIVER INCLUDED AS STANDARD
Premium Waiver has a 28-day deferred period as standard, regardless of your client’s chosen Income Protection deferred period.
OPTIONAL CHILDREN’S CRITICAL ILLNESS COVER
You can add our optional Children’s Critical Illness Protection to any adult cover, including stand-alone Income Protection.
WIDE CHOICE OF COVER OPTIONS Choice of 2-year or full-term payment periods, and a choice of 4, 8, 13, 26 or 52-weeks deferred period.
HALO CLAIMS SUPPORT
Income Protection policyholders can benefit from HALO support services as soon as they become too ill to work, regardless of their deferred period. With the launch of Income Protection, our full menu is now available on Protection Builder 2.0. You can combine up to 10 covers for each person to build the ultimate protection policy for every client. Discover more https://adviser.guardian1821.co.uk/ip-completes-the-range/