Help & support

The monthly premium you pay will depend on the percentage of your monthly income you want to cover and the waiting period you choose before you begin to receive benefits. Cover can start from as little as £5 a month which is our minimum premium.

The minimum term for a plan is five years, and the maximum term is limited by your age. Cover will cease when you reach age 70.

If you are employed we can cover up to 70% of your regular gross income. If you are self-employed you can cover up to 70% of your net profit. Benefits will be paid to you monthly free of tax. You can also select to include inflation cover. The maximum benefit at the start of your Income Protection is £49,000 per year. The minimum benefit is determined by the requirement to have a minimum premium of £5 per month.

Junior ISA

You have 30 days from the date your open your account in which to cancel the Junior ISA and your money will be returned. If you cancel within the 30 days you will be treated as though you had not used the child’s Junior ISA allowance and would be able to subscribe to another Junior ISA in the current tax year.

After the 30 days, the Plan becomes a valid Stocks and Shares Junior ISA and cannot be cancelled. If payments are stopped, the Junior ISA would be left dormant until the child reaches the age of 18 or it is transferred to another Provider. The amount subscribed is a gift to the child and cannot be repaid if you change your mind after 30 days.

To cancel within 30 days of opening your plan please email our Member Services Team on [email protected] with your full name and plan number.

Junior Money Maker

If you want or need to stop paying your premiums, you should contact us as quickly as possible to discuss what options are available to you.

After three successive missed premiums no sickness benefit can be claimed and we will no longer accept payments into the plan.

Any money invested is done so on behalf of the child therefore if the plan is surrendered the proceeds will be made payable to the child.

To cancel your plan or ask for your surrender value please email our Member Services Team on [email protected] with your full name and plan number. Please read the Junior Money Maker Key Information Document for more information.

Please note: If you stop paying premiums during the early years, the value of your Junior Money Maker could be less than you have paid in.

Young Saver Plan

If you want or need to stop paying premiums, you should contact us as quickly as possible to discuss what options are available to you.

After three successive missed premiums no sickness benefit can be claimed and we will no longer accept payments into the plan.

Any money invested is done so on behalf of the child therefore if the plan is surrendered the proceeds will be made payable to the child.

You are able to withdraw up to 25% of the value of the fund when the child reaches age 11 to help with the costs of sending them to school, but any other money will remain invested until the plan matures.

To cancel your plan or ask for your surrender value please email our Member Services Team on [email protected] with your full name and plan number. Please read the Young Saver Plan Key Information Document for more information.

Please note: If you stop paying premiums during the early years, the value of your Young Saver Plan could be less than you have paid in.

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We aim to make your claims experience as stress free as possible and do what we can to facilitate your return to work. This includes, in certain scenarios, us funding various rehabilitation treatments.

If you do not pay your premiums, we will be unable to pay your benefit when you make a claim.

The waiting period/deferred period is the length of time between the first day of your incapacity to the date when we start to pay your sickness benefit. If you are not sure of your waiting period, refer to your plan documents.

You can choose the waiting period at the start from 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks. The longer the waiting period you select, the lower your monthly premium will be.

You can cancel your plan at any time, by emailing our Member Services Team on [email protected] with your full name and plan number.

If you cancel your plan within 30 days of receiving your plan documents, we will refund any premiums you have paid, as long as you are not receiving benefit from us during this time. If you cancel after the first 30 days, you will not be entitled to any refund.