Cover Options

IncomeShield can be tailored to meet your circumstance and budget; keeping you in complete control of the cover you have.

You select how much of your monthly income you want to insure, the type of cover you want, how long you want to be covered for and when you’d receive your first payment if you needed to claim.

You can even choose whether you’d like to defer paying for your policy for the first two months.

Choose your

Cover amount	£100 - up to £2,000* *Max. 65% of your gross monthly income
Type of cover	Accident & Sickness only Unemployment only Accident, Sickness & Unemployment
Cover length	12 months 24 months* *Unemployment only not available
Qualification period	30 Day Back-to-Day-One - Receive first payment 31 days after claiming for days 1-30 30 Day Excess - Receive first payment 61 days after claiming for days 31-60 60 Day Excess - Receive first payment 91 days after claiming for days 61-90 90 Day Excess - Receive first payment 121 days after claiming for days 91-120 180 Day Excess - Receive first payment 211 days after claiming for days 181-210
First payment	From the start Deferred for 2 months

We want to let you know...

As with all insurance policies there are circumstances when cover can't be offered or a claim paid. For example, any self inflicted injury and if you resign or you accept voluntary unemployment.

These are only examples. For full details of what's covered and what's not covered please read our Income Protection policy document. Alternatively you can find further information in our Insurance Product Information Document for Income Protection.

There are other providers of Short Term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit www.moneyadviceservice.org.uk/yourmoney.

A typical monthly cost for Paymentshield Income Protection is £5.18 for every £100 of monthly benefit you would get.