THE REST.

Lifestyle COVER
THE REST.
Competitor comparison guide
We’re confident that our 5 star Defaqto rated Lifestyle Cover
stands up against the rest. We understand that your customers
will want an unbiased assessment of like against like. That’s why
in this leaflet you can compare us to six major Short-term Income
Protection providers.
2013
SHORT TERM INCOME PROTECTION
This is not a consumer advertisement. It is
intended for financial advisers and should not
be relied upon by any other person.
12
Pre-existing Condition
Qualification Period
or contact your usual Legal & General representative
www.legalandgeneral.com/advisercentre
[email protected]
CONTACT US
24
12
Previous Illness Period
24
120
60
Initial Exclusion –
Unemployment (days)
Yes
Yes
0
75% of gross income
65% of gross income
0
3,000
3,000
Initial Exclusion –
Accident and
Sickness (days)
Cover Transfer
Maximum Earnings (%)
Maximum Monthly
Benefit (£)
Excess Options
Available
30
ASU
ASU, AS, U
30, 60, 90, 180
Income Protector ASU
(30 days)
Lifestyle Cover ASU
(30 days)
Product
Cover Options Available
Assurant
Intermediary Ltd
Legal & General
Provider
24
12
90
0
No
60% of gross income
2,500
30, 60, 90
Q0033994 CW2557 08/13
24
12
60
0
Yes
90% of net income
3,000
30, 60
ASU, AS, U
Legal & General Insurance Limited is authorised by the Prudential
Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority.
We are a member of the Association of British Insurers.
Legal & General Insurance Limited.
Registered in England and Wales Number 423930
Registered office: One Coleman Street, London EC2R 5AA
24
12
120
0
Yes
50% of gross income
1,500
30, 60, 90, 180
ASU, AS, U
Keystone – ASU
(30 day excess)
Mapfre Income
Protection Insurance
ASU (30 days)
Income Payment
Protection ASU
18-50 yrs (30 days)
ASU, AS, U
MMS
Mapfre
Assistance
British
Insurance
short-term income protection – Competitor Comparison Guide
24
12
120
0
No
60% of gross income
2,000
30, 60
ASUH, ASH, UH
Income Protection
Insurance ASUH
(30 days)
Synergy Financial
Products Ltd
The content of this grid is for information
purposes only and is subject to change,
please check the providers’ website to
confirm details and availability. Source:
Defaqto, information correct at June 2013.
12
12
120
60
Yes
65% of gross income
2,000
30, 60, 90, 180
ASU, AS, U
IncomeShield ASU
(30 days)
Paymentshield