Stand-Alone

Income Protection

Reasons to recommend

Own job definition for all
Premium Waiver included as standard
Optional children’s critical illness cover
Wide choice of deferred periods
Cover up to 65% of annual earnings
£1,500 Minimum Cover Guarantee

Anniversary emails
Lifestyle promise
HALO claims service
Choice of weekly or monthly claim payout date
Guardian Anytime
Hospital cover

INCOME PROTECTION LIMITS

Term

5 to 52 years

Age when cover starts

18 to 59

Age when cover ends

70 (this may be lower for some jobs)

Amount

Up to £250,000 a year

NON-MEDICAL LIMITS

REQUIREMENT LEVELS	Up to age 40	Age 41-50	Age 51-60
None	Up to £50,000 (£4,166 a month)	Up to £40,000 (£3,333 a month)	Up to £15,000 (£1,250 a month)
Level A	£50,001 to £75,000 (£6,250 a month)	Not applicable	Not applicable
Level B	Not applicable	£40,001 to £55,000 (£4,583 a month)	£15,001 to £25,000 (£2,083 a month)
Level C	£75,001 to £90,000 (£7,500 a month)	£55,001 to £65,000 ( £5,416 a month)	£25,001 to £35,000 ( £2,916 a month)
Level D	£90,001 to £120,000 (£10,000 a month)	£65,001 to £100,000 (£8,333 a month)	£35,001 to £45,000 (£3,750 a month)
Level E	Not applicable	£100,001 to £120,000 (£10,000 a month)	£45,001 to £120,000 (£10,000 a month)
Level F	£120,001 up	£120,001 up	£120,001 up

REQUIREMENT LEVELS

None	Up to £50,000 (£4,166 a month)
Level A	£50,001 to £75,000 (£6,250 a month)
Level B	Not applicable
Level C	£75,001 to £90,000 (£7,500 a month)
Level D	£90,001 to £120,000 (£10,000 a month)
Level E	Not applicable
Level F	£120,001 up

None	Up to £40,000 (£3,333 a month)
Level A	Not applicable
Level B	£40,001 to £55,000 (£4,583 a month)
Level C	£55,001 to £65,000 ( £5,416 a month)
Level D	£65,001 to £100,000 (£8,333 a month)
Level E	£100,001 to £120,000 (£10,000 a month)
Level F	£120,001 up

None	Up to £15,000 (£1,250 a month)
Level A	Not applicable
Level B	£15,001 to £25,000 (£2,083 a month)
Level C	£25,001 to £35,000 ( £2,916 a month)
Level D	£35,001 to £45,000 (£3,750 a month)
Level E	£45,001 to £120,000 (£10,000 a month)
Level F	£120,001 up

MEDICAL UNDERWRITING LIMITS

Level A	Nurse screening + blood test 1
Level B	Nurse screening + blood test 1 + general practitioner's report
Level C	Nurse screening + blood test 2 + general practitioner's report
Level D	Medical examination report + blood test 2 + general practitioner's report
Level E	Medical examination report + blood test 2 + PSA (for males) + general practitioner’s report + NT-Pro BNP blood test
Level F	Medical examination report + blood test 2 + HIV + PSA (for males) + general practitioner’s report + NT-Pro BNP blood test

Cotinine tests included with all nurse screenings and medical examinations for non-smokers
Blood test 1 – Biochemistry & HbA1c
Blood test 2 – Biochemistry, haematology & HbA1c

FINANCIAL EVIDENCE LIMITS

Evidence required (self-employed only)	Limit
None	Up to £150,000 (£12,500 a month)
Financial questionnaire	Over £150,000 (£12,500 a month)

Smoking categories

A smoker is someone who has used a tobacco product or nicotine replacement product such as e-cigarettes.

We have 3 categories for smoking-related premiums:

Current user
No usage in the last 12 months
No usage in the last 5 years

If your client was a smoker and stops smoking or using tobacco or replacement products for a period of 12 months, we’ll reassess their cover and may be able to reduce their premium accordingly. We’ll also reassess their cover after they’ve stopped for 5 years and may be able to reduce their premiums further if you contact us to confirm.

BODY MASS INDEX (BMI) LIMITS

The tables below show the premium rating we’ll apply to your client’s Income Protection policy for their BMI.

These are just the ratings for BMI, and other factors are taken into account when underwriting for build. For example, pregnancy, body shape or unexplained weight loss. Our underwriters may ask for further information in those situations which might lead to a different decision. If you’d like more information before you submit an application, call us on 0808 133 1821.