Group Income Protection

All our Group Income Protection technical information in one place.

Find out how our group income protection policies work, including who can be covered, how to go on risk and what’s covered.

Group Income Protection

About our products

Introduction to Group income protection

Who can be covered and when?

Cover for an individual who is not in the UK

When can cover start for a new employee?

When does cover stop for individuals?

Who can we insure?

What are the options for cover?

Benefit options

What earnings can be covered?

Getting a quote

How is the cost calculated?

Legal information

What is needed to provide a quote?

A guide to understanding your quotation

Policy exclusions and limitations

Cover for an individual who is absent from work

Exclusions on benefits paid

Limitations on benefits paid

Going on risk

What we expect of our customers

Guide to assuming risk for a policy

Support services

Claims

Claim form

Claim guide for employees

Running the policy

When can the policy be cancelled?

Premium payments

Medical underwriting guide

Adding an individual to the policy

Guide to the annual revision of a policy

Understanding your account - Unit rated

Guide to making changes to a policy

Please note. The content of this web site shows the most up to date terms and conditions. Existing policyholders should be aware that these terms may not match those of your current policy. In the event of any differences between the website and the terms of your current Policy, the terms of your current Policy will apply. The following documents do not apply to the Class product.

Next steps

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Technical support

A range of technical content and training materials to help you support your clients.

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