Income protection

Income protection pays your client a monthly income if they can’t work because of an illness or injury.

Our plans offer more than just financial protection, with access to Wellbeing Support provided by RedArc Assured Ltd and Rehabilitation Support Services included as standard to help your client regain their health and return to work.

Key features and benefits

Fast underwriting decisions

80% of underwriting decisions receive an instant decision.

Changing Your Policy option

Allows your client to increase cover on specified events, without further medical questions. Eligibility criteria and restrictions apply.

We’ll beat competitors

In some instances, you may be able to use Price Beater to get the best price for your client. Please see our Price Beater guide for more details.

Return to work support

Proportionate Benefit means we’ll top up your client’s salary with a proportion of the monthly benefit if they return to work at reduced capacity.

Stepped Benefit option

Stepped Benefit option can be chosen to help plug any gaps in employee benefits, so your client won’t lose out or overpay their premium.

NHS sick pay protection

We can match the sick pay structure for NHS dentists, doctors, midwives, nurses and surgeons on Income Protection Benefit policies.

* Insured by AXIS Specialty London. The support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU

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Product details

For full details, see key documents for the Policy Summary and Policy Terms & Conditions

Cover overview

For full details, download the Product Profiles PDF size: 905KB document.


	Income Protection Benefit	Low Start Income Protection
Minimum cover	No minimum monthly benefit. Driven by minimum premium
Maximum cover	Level cover: £20,000 per month/£240,000 per year Increasing cover: £14,000 per month/£168,000 per year Houseperson working less than 16 hours per week: £1,666.67 a month/£20,000 per year	Level cover: £10,000 a month/£120,000 a year Increasing cover: £7,000 a month/£84,000 a year Houseperson working less than 16 hours per week: £1,666.67 a month/ £20,000 a year
Type of cover	Only available as a single life plan Level and increasing cover available Increasing cover increases in line with changes in the Retail Price Index up to a maximum increase of 10%. The premium increases in line with the change in the Retail Prices Index multiplied by 1.5 subject to a maximum increase of 15% per year
Minimum term	5 years but cannot end before 50^th birthday	10 years but cannot end before 50^th birthday.
Maximum term	Depends on the age of the client when the policy ends: The policy must end after the client’s 50th birthday but before their 70th birthday or their planned retirement date, whichever is earlier For some occupations, we may restrict the maximum age of the client at the end of the plan
Minimum age	18 years old to buy the plan
Maximum age	The day before the client’s 60th birthday to buy a plan For some occupations, we may restrict the maximum age of the client at the end of the plan
Premiums	Premiums remain the same (guaranteed), unless increasing option is chosen. Payable monthly by Direct Debit	Premiums increase each year in line with age (guaranteed). If increasing cover is chosen, they’ll also increase using the change in RPI

Benefits and options


	Income Protection Benefit	Low Start Income Protection
Deferred period	Your client can choose from 4, 8, 13, 26 or 52 weeks
Low Cost Options	Optional. The benefit for any individual claim is limited to 12 or 24 months, depending on which option is chosen from outset Not available with the Stepped Benefit option
Stepped Benefit	Optional. Two levels of benefit can be chosen with two different deferred periods Not available with the Low Cost option
Continuous Cover	Included	Included
Hospitalisation Benefit	Included	Not included
Income Guarantee	Included £1,500 for employed and self employed £3,000 for NHS dentists, doctors, midwives, nurses and surgeons Download the Policy Summary PDF size: 227KB for examples of how this works	Included £1,500 for employed and self employed Download the Policy Summary PDF size: 227KB for examples of how this works
Life cover	Included (equal to 12 times the monthly premium)	Not included
Linked claims	Included	Included
NHS sick pay protection	For NHS dentists, doctors, nurses, midwives and surgeons	Not included
Proportionate Benefit	Included	Included
Rehabilitation Support Service	Included at the point of claim	Included at the point of claim
Wellbeing Support	Access included as standard. Service provided by RedArc Assured Limited	Access included as standard. Service provided by RedArc Assured Limited
Fracture Cover	Optional benefit for an additional cost
Private Diagnostics	Optional benefit for an additional cost
Waiver of Premium	Included
Changing your policy (previously known as Guaranteed Insurability Option)	Can increase cover on certain specified events, without need for further medical evidence Eligibility criteria and restrictions apply
Other changes	Your client can request to make other changes to their plan. A new policy may need to be set up

What if my client needs to make a claim?

It’s important your client contacts us as soon as possible when they need to make a claim, as it can take us time to gather all the information we need. For us to fully assess their claim, we’ll need to receive all the information we request from your client and any third party (such as a Doctor). We want to avoid delays to their benefit being paid.
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Key points to know about your client’s claims process:

Your client should contact us to make a claim as soon as they’re unable to work if they believe their illness or injury will likely continue past their chosen deferred period. They can contact us:

online via My Account at landg.com/myaccount
or call us on 0800 027 9830.
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So we can assess their claim, we’ll ask them to send us details of their illness or injury. We’ll also ask for their permission to contact their doctor for medical information and ask for contact details for their doctor. We’ll also need contact details for their employer and proof of earnings, as well as any other relevant information. If they can provide this as soon as they can, we can help them as quickly as possible.
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We sometimes rely on third parties such as healthcare providers and the NHS to provide evidence, which can mean delays to when your clients claim will be assessed.
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Their benefit will be paid on a monthly basis in arrears. This means we aim to send their first payment 1 month after the end of their deferred period. This is the minimum number of weeks we’ll wait before we start paying their monthly benefit. However, this may be delayed if it takes longer for us to be notified, or to assess and approve their claim, meaning that their claim may not be paid out immediately. This is more likely if they’ve chosen a short deferred period, such as 4 or 8 weeks.
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If this happens, we’ll make their first payment as soon as possible after their claim has been accepted. This will include any backdated payments due in line with the terms and conditions. It’s important they consider any financial arrangements they need to make so they can continue paying their bills until their claim can be paid.
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When they make a claim, we use their income from just before they became sick or injured to work out their monthly benefit. This means if they’ve changed their hours or are earning less than they were when their policy started, their monthly benefit might be lower. It’s important to regularly review to make sure their cover still meets their needs. So, if their income increases or decreases, they may want to review their Income Protection Benefit.
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If your client is experiencing financial difficulties, they can let their claims assessor know.
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More information can be found in your client’s policy documents.

Underwriting

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Literature

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These products do not include unemployment cover.

Income Protection