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
5 to 52 years
18 to 59
70 (this may be lower for some jobs)
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 3 + PSA (for males) + general practitioner’s report + NT-Pro BNP blood test |
| Level F | Medical examination report + blood test 3 + 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
- Blood test 3 – Biochemistry, haematology, HbA1c & endocrinology
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.
| BMI minimumBMI min | BMI maximumBMI max | Expected |
|---|---|---|
| up to | 16.999 | Decline |
| 17 | 17.999 | Standard* |
| 18 | 29.999 | Standard |
| 30 | 32.999 | 25% rating |
| 33 | 34.999 | 50% rating |
| 35 | 37.999 | 75% rating |
| 38 | 38.999 | 100% rating* |
| 39 | 53.999 | Decline |
* We may ask for medical evidence.
| BMI minimumBMI min | BMI maximumBMI max | Expected |
|---|---|---|
| up to | 16.999 | Decline |
| 17 | 17.999 | Standard* |
| 18 | 30.999 | Standard |
| 31 | 33.999 | 25% rating |
| 34 | 36.999 | 50% rating |
| 37 | 38.999 | 75% rating |
| 39 | 39.999 | 100% rating* |
| 40 | 53.999 | Decline |
* We may ask for medical evidence.
| BMI minimumBMI min | BMI maximumBMI max | Expected |
|---|---|---|
| up to | 16.999 | Decline |
| 17 | 17.999 | Standard* |
| 18 | 32.999 | Standard |
| 33 | 35.999 | 25% rating |
| 36 | 37.999 | 50% rating |
| 38 | 39.999 | 75% rating |
| 40 | 40.999 | 100% rating* |
| 41 | 53.999 | Decline |
* We may ask for medical evidence.