Flexible, affordable income protection?

It’s a yes from us.

Accident Only Income Protection.

Market-leading benefits for clients who struggle to get standard income protection.

Accident Only Income Protection is specially designed for people who struggle to get standard income protection or who can’t afford it.

Covering only accidents and not sickness, it’s a quick, flexible and affordable solution with no upfront medical underwriting questions. So when a full income protection provider says no to one of your clients, you can offer them another option.

Accident Only Income Protection is an important new option in your toolkit of products.

When standard income protection isn’t right for a client – either for health, affordability, risky occupation, hobbies, or other reasons – the conversation doesn’t stop there.

This affordable cover offers market-leading benefits and a range of flexible options. Virtually everyone who applies will be approved, as only a small number of occupations are excluded. Above all, it’s a quick, easy application process – and a quick sale for you.

Now with new enhanced features.

NEW 5-year guaranteed level premiums to help clients manage their money and give peace of mind.
NEW enhanced pricing for most common occupations to provide wider access to insurance.
NEW premium-led quotes to suit your client’s budget.

Market-leading benefits and options

Core benefits:

Market-leading benefit guarantee of £3,000 a month.
Market-leading payout ratio of 70% of client’s gross income.
£1,500 rehabilitation benefit to help your client get back on their feet sooner.

Additional options:

Optional Fracture Cover available – providing additional payouts ranging from £1,000 to £3,000.
Hazardous Pursuits Cover - some activities are covered as standard, with the option to pay extra to cover riskier hobbies. View full list here.
Accidental death benefit – giving peace of mind.

Who Accident Only Income Protection is for

People with a serious
health condition, such
as excessive BMI,
high blood pressure or
uncontrolled diabetes.

Those with a lower
income who can’t
afford or don’t want
to pay for standard
income protection.

Individuals in active
or risky professions.

People who enjoy
hazardous hobbies
such as martial arts,
bouldering or cycling.

Those looking for
instant cover who
don’t want to wait for
underwriting decisions.

Self-employed people.

Younger people who
don’t want to pay for
illness cover.

How it works

A monthly benefit amount of between £500 and £6,000, up to a maximum of 70% of earnings.
A choice of 1-, 2- or 5-years’ benefit period.
Protection against a fall in earnings after the policy starts – up to £3,000 a month of the main benefit can be protected if your client submits proof of earnings within 6 months of their policy starting.
A proportionate benefit if your client returns to work on lower earnings than before.
The option to cover an enhanced list of hazardous pursuits and to add fracture cover.
The option of accidental death benefit cover where we’ll pay a lump sum equating to 1-, 2- or 5-years’ main benefit if your client dies as a result of an accident within 30 days of it happening.

Immediate free access  to Friendly GP

Our virtual GP service, over the phone or online 24 hours a day, 7 days a week.

Flexible cover to suit your clients’ needs

A contingency benefit that provides a maximum benefit of £500 a month for a maximum of 12 months, if working for less than 16 hours a week and unable to carry out normal role due to an accident.
Flexible policy end date, at any birthday between ages 50 and 70.
Option for increased cover each year, to take account of inflation and increases in earnings. Payments will increase to reflect the higher cover.
Waiver of payments, so clients pay nothing whilst receiving benefit from us.
A choice of when the benefit starts after injury – 30, 60, 90, 180 or 365 days.
An option to change cover for certain benefits at a later date if your client’s needs change.