Exeter Family Friendly
Income Protection Insurance
- Use us and get 1 month free (terms apply)
- Compare quotes quickly and immediately using our online quotes facility
- Claim paid if sickness or accident prevents you doing your "Own Occupation"
- Option of very short waiting period before a claim is triggered just 3 days
- Multiple claim policy.
- 98.1% of all claims received during 2008 were paid.
- Cover Excellence Awards 2009: Individual Income Protection, Winner.
Limited Offer £75 Cashback
Get instant cover call us now on FREEPHONE 0800 022 6571
Exeter Family Friendly
|
Exeter Family Friendly
|
Exeter
Family Friendly
|
Get instant cover call us now on FREEPHONE 0800 022 6571
Income Insurance Explained
Income protection provides a replacement income if you cannot work as a result of illness or accident after your chosen waiting period. The benefit is normally paid until you return to work or with some policies the benefit maybe limited to a certain duration like Exeter Bills and Things policy which limits claims to one or two years.
If employed the benefit should not overlap any employer sick pay as continuing payments from your employer or other types of income insurance and mortgage payment protection plans may reduce the amount of benefit you receive on a claim with the exception of Exeter Bills and Things that will ignore those other continuing payments and does not check your income during a claim.
What's so Good about Exeter Cover?
Premiums are very competitive as they are age costed and will increase slowly as you get older, this can make them more affordable. Exeter only offers the highest level of protection with own occupation definition. Even manual based occupations get this definition. In comparison other providers typically would require you to be unable to do "any occupation" or unable to do certain tasks that could be unrelated to your job plus you may have to wait at least 13 weeks before claiming can be unrealistic especially for the self-employed. With Exeter you have the option to have benefits payable from day 1 after just 3 days of illness, 1 week, 4 weeks, 8 weeks, 26 weeks or 52 weeks. That's why is one of our best buys.
Own Occupation - Disability Definition Explained
An important aspect of the plan is that a claim can be considered should you become unable to do your own occupation rather than any occupation or a series of tasks that could be unrelated to you job. Exeter Family Friendly only offers own occupation cover on all their policies for all acceptable occupations. Why accept anything else?
Permanent Health Insurance - Cashback Terms
Use us for your Permanent Health Insurance cover and we will give you cashback after acceptance of your policy.
- Cashback is paid after the second month and once you have made the 2nd monthly payment.
- Policy premium must be £20 per month or more to qualify for 1 month free. Lower premiums may attract cashback ask for details.
- The 1 month free is a rebate of our commission, which is paid in advance of the earnings period typically 36 with Exeter Family Friendly Pure, Proffessional and Bills and Things. This is only paid on the basis that you maintain the cover for the commission earnings period or longer. Should the policy stop or be altered within this earnings period the provider may request repayment of any unearned commission from us and you agree to repay on our demand your percentage share based on the percentage paid to you as cashback.
- We reserve the right to delay paying the cashback until after the commission earnings period if we suspect the policy has been taken out for the sole purpose of acquiring the cashback with no intent of maintaining the cover.
- These terms do not affect your Statutory rights.
- We reserve the right to alter these terms at anytime and if we do shall take immediate effect.
Cashback terms last updated 18th Aug 2011
