UnumProvidentPersonal Income Protection Plan

The plan aims to provide a regular income if a policyholder is unable to work due to illness or injury, resulting in a loss of earnings. It will also provide a reduced replacement income in proportion to loss of earnings if they are only able to take a part-time or lower paid job. The plan offers the choice between guaranteed and annually reviewable premiums, together with optional indexation. Maximum age at entry: 59 Maximum annual benefit available: The benefit must not exceed 50% of pre-incapacity earnings or £175,000 per year. Cover then increases annually with inflation to a maxi...