Income Protection

The answer's unlimited.

It pays out a guaranteed income if your client can't work due to illness or injury. But what exactly do you get out of it? And how much does your client really benefit?

What's in it for you?

For a start, Progress Income Protection is quick and easy to quote and apply for online with immediate online underwriting and real-time transactions.

It also offers a whole host of advantages that make it easy to sell to your clients including increased benefits and greater flexibility - and to make sure it is easy to sell, you'll find all the product and marketing literature online.

But we'll go even further. We can work with you to extract and analyse the data which will which will help you to target and develop clients with the most potential for growth. And that includes new and existing clients.

And what's in it for your client?

There are absolutely no standard exclusions to stand in the way. For as little as £7.50 a month or £75 a year, your client could guarantee a regular income if they are unable to work through illness or accident. And their benefits can be linked to the Retail Price Index to help offset the effects of inflation.

Greater benefits

They could even get to benefit from our maximum benefits of £200,000 or 50% of their income - whichever is lower. Our Guaranteed Insurability Option limits are now up to £10,000.

We waive the Deferred Period for Terminal Illness and the Survival Period for Carer's Benefit is just 14 days. What's more, our Carer's Benefit pays out a lump sum equal to 4 times the monthly IP Benefit (up to a maximum of £25,000) if a child of the Life Assured is diagnosed as suffering from a specific listed condition.

Greater flexibility

Our Guaranteed Insurability Options mean your client can increase increase their level of cover without any need for further underwriting if there is a special event in their life. For example:

• Changing career or getting a salary Increase
• Getting married or entering a Civil Partnership
• Having children
• Adopting children
• Moving to a new house
• Increasing their mortgage for home improvements

It is also worth remembering that if your clients were to divorce or separate, we also offer a joint life separation option that means they can keep their IP Cover.

This also helps you grow your business.

The flexibility of Progress Critical Illness Cover has the added advantage that it offers you a very good reason to go back to your clients and suggest they review their cover and where appropriate increase it.