Long term income protection insurance #Long-Term #Income #Protection, #Monster #Sports #Insurance

Long term income protection insurance

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Long-Term
Income Protection

Pays you a monthly income up to retirement

Multi-Sport Cover
Includes all sports – worldwide!

Your Quote

You’re Done

All Sports Included as Standard

Looking for a list of sports covered?
a £10,000 lump sum is payable upon your death and provides a valuable benefit
to your family, which they can use to pay off any debt and safeguard their future.

Select Age – You can apply for this policy if you are 18 or over and have not yet had your 55th birthday at the start date of your contract.

Employed – This will be what you earn before tax and national insurance contributions are deducted. You can include overtime and bonuses/commissions etc.

Self-Employed / Partnership – This will be your pre-tax profit derived from your previous 12 months normal trading activities.

Company Director – This will be what you earn before tax and national insurance contributions are deducted, plus gross dividends.

NOTE: You need to be earning a minimum of £6400 per year for this policy.

The maximum you can have is 65% of your income, which is: £<< maxMonthlyBenefit >> per month.

Use the slider to select a benefit and cost which is affordable for you.

Slide to Select – This is the amount you would like your policy to pay you each month. Simply use the slider to adjust your quote.

Note: You need to be earning a minimum of £6400 per year for this policy and the most this policy can pay out is £3553 per month, no matter how high your earnings are.

Fix Your Premium

Although the price quoted rises in small increments each birthday, you can choose to FIX your monthly premium. This means that the price you pay each month will not increase just because you are getting older. This is useful if you wish to keep your policy in place for a long time. See the tables below to see which works best for you.

Age-Based Premium

This table shows how your monthly premium increases as you get older if you do not fix your premium.

Please enter your age, income and benefit to see your premiums here.

Note: This policy will be automatically cancelled on your 70th birthday.

Fixed Premium

This table shows your fixed premium – notice how it doesn’t grow as you get older.

Please enter your age, income and benefit to see your premiums here.

Note: This policy will be automatically cancelled on your 70th birthday.

Fracture & Hospitalisation Cover

Fracture & Hospitalisation Cover

By adding this option you will receive the following payments irrespective of any other valid claim you are receiving as part of the policy.

Fracture Benefit

This benefit provides a lump sum payment of £1,000 in the event you suffer a fracture to any one of the following bones; skull, eye socket, cheekbone, jaw, collar bone, shoulder blade, breast bone, upper arm, ribs, vertebra, forearm, hip, wrist, hand, upper leg, knee, lower leg, ankle and foot.

Hospitalisation Benefit

This benefit provides a payment of £50 per night, following three consecutive nights in a UK hospital, backdated to the first night’s stay.

Full details of this optional extra can be found in the “My Extra Benefits” brochure.

Combined fracture and hospitalisation cover.

Death Cover

Death Cover

If you choose to add this Working Life Death Benefit option to your policy,
a £5,000 lump sum is payable upon your death and provides a valuable benefit
to your family, which they can use to pay off any debt and safeguard their future.

Note: This additional cover would cease on your 70th birthday.

Full details of this optional extra can be found in the “My Extra Benefits” brochure.

Pays a £5,000 lump sum to help your family.

Fix Your Premium

Fix your premium so it does not increase as you get older.

Your Quote

Long-Term Income Protection

Sports Covered: All Sports

Included in your Policy

Free Multi-Sport Cover

Injury at Home & Work Cover

Your Extras

Fracture & Hospitalisation Cover

About this Policy

It takes less than 10 minutes to complete.

Pays out until your occupational retirement age, if you can’t return to work.

Free to cancel at any time

+ PLUS

No need to worry about having to prove your injury is sports related!
This policy covers you for accident, injury & illness, at work, home and play – 24/7

Quick guide to this policy

What does it do?

This Long-Term Income Protection policy is great if you take part in amateur sports and activities, because if you are unable to work due to an accident, injury or illness, it will pay you a monthly income to ensure you can still pay your essential bills, mortgage, rent etc.

Great to know:

This policy provides Day 1 Cover, which is the best you can get. When you have been signed-off work for more than 3 days, your claim will be back-dated to the first day you were signed-off.

You will automatically be covered whilst taking part in any type of amateur competition / racing / event etc.

This policy covers you for ALL sports no matter how extreme (at no extra cost), and also includes cover for non sports-related injuries and illness too, so you are covered 24/7 at work, rest and play.

You can make multiple claims, even for the same injury or illness, and there are no time restrictions or limits on making claims.

This policy suits those who want serious peace of mind. When compared against our Short-Term Income Protection policy, this policy provides comprehensive long-term cover.

How much will I get paid?

Whether you are employed or self-employed, it will pay you up to 65% of your earnings.

How does it pay out?

On a monthly basis. It continues to pay out until you return to paid work or you reach your occupational retirement age (whichever is sooner).

Why do I need it?

Could you still pay your mortgage, rent, bills or other living expenses if you were unable to work? Income protection policies are great because no one knows what lies ahead, but we do know that an accident, injury or illness can strike at any time.

A little more information.

An important reason for taking out this policy, is that it provides you with ‘guaranteed continued cover’ after a claim, which means you to claim for the same thing time after time.

For example: A policy holder receives payment for 3 months when signed off work due to a knee injury whilst playing rugby. A few months after recovery he injures the same knee again, and this time is signed off work for 4 months. Fortunately he is able to make another claim, even though it is for the same injury.

As this policy is so comprehensive, acceptance is subject to underwriting, so it is necessary to complete a short medical questionnaire. Once the policy has started, for as long as you have the policy, you’ll never have to do it again.

Previous broken bones and fractures will still normally be covered for future injuries, but any previous ligament damage requiring surgery may result in a specific exclusion for that particular joint. You will be informed of any exclusions in writing before the policy starts.

Sometimes an extreme sport may be excluded, where you have sought medical attention twice or more within the last five years as a result of that specific sport or activity.

This policy is provided by Cirencester Friendly Society. For full details, please read the Product Guide.

Professional sports-people are not covered on this policy. If this is you, please see our Basic Injury Plan.

Am I eligible for this policy?

You can apply for this policy if all of the following apply:

• You are 18 or over and have not yet had your 55th birthday at the start date of your contract.
• You live in the UK.
• You are registered with a UK Doctor who can supply, if requested your up to date five year medical history immediately preceding the date of your application.
• You are currently actively working in the UK and not employed on a zero hours contract.
• You are employed or self-employed earning at least £6,400 per year and working 16 hours or more per week.
• Your earnings are taxable in the UK.
• You are not awaiting any medical tests, investigations or the results of these.
• You do not work outside of the UK for more than eight weeks in a calendar year.

Unfortunately you are unable to apply for this policy if you do one of the following occupations:
Aircraft & Helicopter Pilots, Army/RAF/Navy, Artist, Asbestos Worker, Astrologer, Athlete, Author, Body Guard, Bookmaker (Course), Boxer, Broadcaster, Circus Performer, Commercial Diver, Composer, Dancer, Disc Jockey/DJ, Diver, Entertainer, Foster Carer, Home Maker/House Person, Musician, Pianist, Professional / Semi-professional sportsperson, Song Writer, Student, Stuntman, Fisherman/Trawler man

NOTE 1: If you have more than one job or take on another job(s) at any time during your contract you must tell us. We will treat them as a single occupation which means that if you are able to do any of your jobs you will not be eligible to claim benefits.

NOTE 2: If you do receive some guaranteed sick payments from your employer, alternative waiting periods are available up to 52 weeks deferred, please contact his for an individual quote.

NOTE 3: If your occupation is listed above, as one that this policy does not cover, please see out Basic Injury Plan and our Short-Term Income Protection Policy as these provide cover for ALL occupations.

Find answers to your questions on our FAQs Page

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