Compare our types of Income Protection Insurance

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A summary of features:

Feature	Description	Comprehensive Cover	Primary Cover	Short Term
		Request a call back	Request a call back	Request a call back
Minimum term		5 years	5 years	5 years
Maximum term		54 years	54 years	54 years
Minimum entry age next birthday		Age 17	Age 17	Age 17
Maximum entry age next birthday		Age 60	Age 60	Age 60
Max expiry age (not applicable to Whole of Life)		Age 70 exactly	Age 70 exactly	Age 70 exactly
Maximum benefit payment period	How long we will pay out while you are incapacitated.	Up to end of benefit term	Up to end of benefit term	2 years per cause of claim
Maximum monthly benefit	The maximum we will pay you each month if you claim.	Lower of: 60% of earnings up to £2,500pm and 50% thereafter £16,666 p.m.	Lower of: 50% of earnings £10,000 p.m.	Lower of: 50% of earnings £10,000 p.m.
Guaranteed Income	If you verify your earnings at the application stage, we’ll guarantee that you will receive the agreed monthly income when you claim.
Discounts and rewards	Access to a range of healthy rewards that help you get more out of life. Explore discounts and rewards available
Permanent disability increase	Increase benefit by 10% if you become permanently disabled.
Recovery benefit	Provides an amount of money that can be used by you for medical support, assisted care and educational support.	Up to £2,000	Up to £1,000	Up to £1,000
Back to work benefit	On returning to work you will receive a portion of the monthly benefit amount.(For 7 days and 1 month deferred periods the benefit is payable at our discretion.)	1st month – 50%2nd month– 25%	1st month – 25%2nd month– 10%	1st month – 25%2nd month– 10%
Rehabilitation and Proportionate benefit	If you begin working again (whether in your own occupation or another occupation) we will pay a proportionate benefit amount.
Waiver of Income Protection Cover premiums	Waiver of Income Protection Cover premium if claim.
Waiver of premium on incapacity	Waiver of VitalityLife Plan premiums if you claim.	Always included on the plan	Option to add to plan	Option to add to plan
Houseperson cover	Limited benefit available to those who do not earn an income. Benefit may be increased by £100 for each child dependant up to a maximum increase of £300.
Deferred period options	The period before we start paying your benefit. Chosen when you set up your plan	Seven days (only if self-employed) One month Three months Six months Twelve months

How to apply or find out more?

Call us to talk to a VitalityLife Adviser

03339204711 03334149323

Or if you’re short on time:

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