Your Lifestyle Income Protection Insurance
i:protect Lifestyle Income Protection Insurance is designed to pay your critical bills in the event that you are off work through accident, sickness or involuntary unemployment.
Levels of Cover
i:protect Lifestyle Income Protection Insurance can be tailored to protect up to £1500 or 65% of your gross monthly income (your pay before tax), whichever is the lesser amount. Benefit Payments can be paid for up to 12 months for any one claim. You decide whether you would like full accident, sickness and unemployment cover or just accident and sickness cover only.
Flexible Excess Periods
Flexible Excess periods mean you can choose when your benefit is paid from. So you can set your accident and sickness payments to commence when your sick pay from work ceases and select your unemployment benefits to start when your payment in lieu runs out. This level of flexibility means that your i:protect Lifestyle Income Protection Insurance premiums can often be made cheaper by simply tailoring your benefit payments for when you need them most.
Back to Work Services
i:protect Lifestyle Income Protection Insurance comes with a free, independent and confidential back to work advice service that can be used in the unfortunate event that you need to make an unemployment claim. You or your immediate family (in the same household) can utilise the following services:
- CV Preparation
- Letters of Application
- Sourcing Vacancies (Access to the National Jobs Database)
- Interview Techniques
- Self-Employment Advice
Eligibility Criteria
i:protect Lifestyle Income Protection Insurance is suitable for anyone aged 18 to 65 who has been an employee or self employed for at least 16 hours per week and has been working continuously in permanent employment for at least the last 6 months.
How are claims handled?
All i:protect Lifestyle Income Protection Insurance claims are handled by Wessex who are highly experienced and handle Accident Sickness and Unemployment claims on behalf of some of the UK's largest Insurers.
Key benefits for you
-
Each claim will be reviewed by experts
-
All claims are handled exclusively in the UK by an experienced team in Winchester, Hampshire.
-
Individual attention and guidance through what can be complex Unemployment and Disability claims.
-
Chartered Accountants will review claims presented by self-employed persons.
-
Medical details are handled professionally and sympathetically by a fully qualified Doctor.
- Our Chief Medical Officer has over 30 years experience in the field of Occupational Health.
Want more information about iprotect Claims? Please click here for more detail.
It is so simple to buy this insurance on line
- No medical is required
- Smokers and non-smokers are treated just the same
- Premiums are paid by monthly direct debit so you can decide to cancel your policy by instructing your bank to cancel your direct debit at any time without penalty
Lifestyle Income Protection - special features
Other than the excellent value for money offered by iprotect Lifestyle Income Protection Insurance, there are several additional benefits you gain by selecting this insurance to protect you and your family, a combination that you will not find elsewhere:
Your premium will NOT go up if you claim
The iprotect undertaking to all of our customers. We will not put up your premium as an individual because you have claimed. Potentially rates could go up or down for all customers. Your individual policy will be underwritten based upon numerous underwriting factors that we apply to everyone. These factors do NOT include whether iprotect has made a payment to you in respect of a claim.
Our undertaking to you
Professional and honest underwriting are one of the core benefits we offer to our customers. This means that we look at every application individually.
Following consideration of your application, we may ask you for additional information and, possibly, even decline to offer you cover. This is because our underwriters are determined that, as far as it is humanly possible, everyone offered an i:protect policy will be able to claim on it.
All insurers have their own underwriting criteria and policy wording. The premiums they charge will reflect this. Therefore, should we advise that we cannot offer you cover, it does not mean that you will be unable to secure insurance elsewhere.
We want i:protect customers to have the confidence of knowing that we ask the relevant questions at the outset, their policy is valid and there to protect them should they need to claim.
Less small print
The foregoing is a very brief overview of the cover and should be read in conjunction with the full terms and conditions set out in the policy document. To help you decide we have also produced a key facts document and a comprehensive list of frequently asked questions in plain English. We hope you find these helpful.
Help choosing the cover you need
There is an iprotect Buyers Guide to Income Protection and Mortgage Protection Insurance and links to several websites including the FSA comparison tables to enable you to thoroughly consider all aspects of this insurance. Helping you choose the cover you need please click here for more detail.