Income replacement

This worldwide cover was designed to reimburse you and your family with a capital payment if you no longer can attend a normal occupation due to an accident or illness.

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Worldwide protection & security

Life cover amount is up to £1 million

Insurance age from 18 to 65 years

Weekly benefit for Temporary Disability

What is Income Replacement Insurance

Injuries and fatalities can occur whilst you are overseas. Depending on the severity of the accident, you could end up permanently disabled, temporarily disabled, or even losing your life. This cover provides you and your family with worldwide security against accidental death, permanent disablement and temporary disablement.

Income protection insurance safeguards you and your family by remittance you with a lump sum payment if you can no longer attend your normal occupation due to an accident or illness. The policy can be extended to provide you with a weekly benefit if your time away from work is likely to only be temporary.


Key benefits

  • Instant cover
  • 24-hour support
  • ‘Usual occupation’ cover
  • Lump-Sum for Accidental Death
  • Lump-Sum for Permanent Disability
  • Underwritten @ Lloyd’s of London

Three types of Income Protection

Permanent Disability Insurance

Income Replacement Insurance pays you a capital amount in the event that you are unable to attend your normal occupation due to an accident or an illness – securing the financial future for you and your family and putting the earning potential back in your hands.
Permanent Total Disability benefits are available up to ten times your normal gross annual salary, for people aged between 18 to 65 years of age.

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Temporary Total Insurance

Long term disability through accident or illness will affect your income and your ability to pay your bills.
The Temporary Total Disability cover provides a number of choices to allow you to tailor cover to match your own personal circumstances.
Benefits are payable weekly and are calculated based on your net weekly salary when the cover is purchased. Benefit payments can start as soon as your 14th day of disability; payable for up to 2 years.

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Accidental Death

Your death will have a massive effect on your family separate to the physical/emotional loss; the financial loss in event of the death of a primary wage earner is an extremely difficult situation for the surviving family members.
A capital payment, decided by you at the outset of the policy, is paid to your designated beneficiary, affording your family financial security in the event of your death.
The cover is available for 18 – 65 year-olds, with an amount payable of up to 10 times for gross annual salary.

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Frequently Asked Questions

Am I eligible to purchase the income protection?

If you are working and aged between 18 and 65 years old you can purchase our Income Protection. Restrictions may apply to some countries, which will be noted to you as part of the application process.


How much can I clame?

In the event of your accidental death or if you become permanently disabled a lump sum of up to 10 times your gross annual salary will be paid (up to a maximum of £1 million).

If you are temporarily disabled, benefits can start as soon as your 30th day of disability. The amount will be calculated based on your net weekly salary at the time your cover is purchased (up to a maximum of 75% of your gross salary). Benefits can be received for up to 2 years.

What is the MaxBenefit period?

Both the accidental death and permanent total disability benefit are payable as a lump sum.

You can choose a maximum benefit period of either 52 or 104 weeks for the total temporary disability benefit.

Should I choose Accident & Illness or Accident Only cove

As you would expect, Accident Only coverage won’t cover any illnesses. Therefore, if you are seeking a policy that will provide you with a more comprehensive level of cover, then the Accident & Illness policy may be a better solution for you.

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