Unum

Product distributed through IFAs Yes, with 20% level commission available. Benefits based on gross salary Standard scheme based on gross salary only. Online literature provided Yes Limited payment term scheme The insured must specify a limited income benefit period, with payments limited to two, three, four or five years. The benefit for any one event of illness or injury will be paid only for the period chosen. If a claimant is unable to work for a number of short periods because of an illness or injury, the combined duration of benefit payments cannot exceed the chosen perio...