Income protection

PURE PROTECTION PLUS.

Income protection designed for physical, manual workers and skilled trades.

PURE PROTECTION PLUS.

Our specialist cover and personal approach to underwriting ensures manual workers and skilled trades get the best possible cover at the best possible price.

Cover summary and underwriting approach
Pure Protection Plus has been designed specifically for physical, manual workers and skilled trades.
2 premium options available

  • Age-costed guaranteed premiums that increase with age but the rates that determine the premiums do not change
  • Age-costed reviewable premiums that increase with age but are reviewed after 3 years.

Both long and short claim periods

Claim periods affect premiums. So, we give your clients more options so you can always make income protection affordable. If the budget allows, clients could select the long term claim period that could pay until their chosen finishing date. Or they could opt for a short claim period of either 2 or 5 years and dramatically reduce their premiums.

Cover available from £500 - £10,000 per month

The maximum monthly benefit amount your client can receive depends on their income. If they earn less than £100,000 pa, they can claim up to 60% of their personal taxable income. If they earn over £100,000 pa, they can claim up to 60% of their taxable income up to £100,000 and 40% thereafter.

Income protection that’s just the job

We pay out if illness or injury prevents your client from doing their specific job – not any job. And that’s regardless of what they do for a living and how long the claim lasts.

Easy to increase as life changes

Life doesn’t stand still. That’s why we give members the option to increase their benefit if they get married or enter a civil partnership, have a baby, or take out or increase a mortgage once the policy is three years old. Benefits can be increased by up to a maximum of 20% or £500 per month, whichever is lower.

Pay no premiums while the policy pays out

With our income protection, waiver of premium is automatically included. So, clients don’t need to worry about paying premiums if the policy is paying out. We understand that in that situation every pound counts.

No routine medical evidence required for clients under 42

The heading says it all – and that’s regardless of the benefit amount they choose.

Fixable benefits

In today’s uncertain world incomes can fluctuate. So, we offer two ways clients can fix their benefits. Firstly, they can fix up to 75% of their initial benefit by providing financial evidence or they can fix up to £1,000 per month by providing simplified financial evidence at point of claim.

If a client goes back to work on less money we continue to pay

If following a claim a client returns to their own occupation part-time, their policy will pay a reduced amount (proportionate to their reduced salary) for a maximum of 24 months or until they reach the end of their claim period. And, if they choose another lower paid occupation, we’ll pay a proportionate reduced amount until they reach the end of their claim period or they return to their previous occupation or their previous level of income.

Our approach to lifestyle, health and occupation:
Smoking

A loading may be applied if consumption is heavy or your client suffers from a medical condition such as asthma which can be aggravated by smoking. Sometimes we may ask for a cotinine test to be carried out to confirm smoking status. This will usually be done by taking a saliva or urine sample.

Alcohol

An application may be loaded, deferred or declined if there are indications of excessive alcohol intake. We may ask for a liver function test. We will consider more closely those clients working within the licensed trade and accidents attributed to alcohol or sickness absence from work.

Family history

For conditions with a strong hereditary tendency, we may need to obtain further medical evidence.

Height and weight

Your clients’ BMI will determine the level of information we require to underwrite their application.

BMI outcomes

  • <18 Refer to underwriting for assessment
  • 18 - 33 Accept at Ordinary Rates
  • 34 - 39 Application may incur a loading
  • 40 - 46 Further medical evidence will be required*
  • >46 Decline
*Please note that applicants under the age of 30 with a BMI >44 will be declined for cover. These outcomes are subject to change and assume no other risk factors are present.

Occupation and activities

Activities which involve a high risk of accident or injury will normally be excluded from short deferred contracts and activities such as potholing, rock climbing/mountaineering, motorsports and aviation will normally be excluded.

Residency and language

To apply, you need to have been a UK resident for at least the last 3 years and have been registered with a UK based NHS GP for the same period.

Our approach to specific health conditions:
Anxiety/depression/stress

Episodes within the last 5 years usually result in an exclusion but terms will depend on severity of symptoms, recurrence, time off work, hospital treatment or suicide attempts.

Arthritis

Cases of Rheumatoid or Psoriatic arthritis will be declined. Terms for osteoarthritis will depend on the amount of joints affected, time off work and severity of symptoms.

Asthma

If the applicant is also a smoker a minimum rating of 50% will normally apply.

Back pain/sciatica

Symptoms within the last 5 years or recurrent episodes will usually result in an exclusion.

Crohn’s disease

We will offer a minimum 4 week deferred period only. At best we will apply an exclusion but if severe may well be declined.

Diabetes

Terms can be considered following further medical evidence for gestational diabetes (during pregnancy only) and type 2 diabetes. Terms for type 2 diabetes will be offered on a minimum 4 week deferred period subject to the applicant:

  • Having an HbA1c of <9% (75mmol/mol)
  • Being 30 years old or above
  • Having had a diabetic review within the past 24 months.
Epilepsy

Terms will depend on the frequency and severity of attacks but if driving is an essential part of the applicants job then an exclusion will always be applied.

Fractures

If the fracture is recent it will be subject to individual consideration but not necessarily an exclusion or loading.

Heart murmur

GP report will be requested in all cases and terms will depend on the cause of the murmur and the severity but if special terms apply this will normally be in the form of a rating.

High blood pressure

If the blood pressure is well controlled and no other risk factors are present then we will normally accept at standard rates. A GP report will sometimes be requested.

High cholesterol

If the cholesterol is controlled and no other risk factors are present then we will normally accept at standard rates. A GP report will sometimes be requested.

Unfortunately we are unable to offer cover to clients with the following medical issues:

  • AIDS
  • Hepatitis B or C
  • Ischaemic heart disease which includes heart attacks and angina
  • Major strokes
  • Most recent cancers requiring chemotherapy or radiotherapy
  • Multiple sclerosis
  • Multiple suicide attempts
  • Psoriatic arthritis
  • Recreational drug use in the last 5 years (excluding light cannabis use)
  • Rheumatoid arthritis
  • Transplants
  • Type 1 diabetes
  • Type 2 diabetes for those under the age of 30.

Our medical underwriting limits and income evidence requirements.

We only need to ask for evidence of your client’s income when they apply if they choose a benefit over £70,000 per year (£5,833 per month) or select the Fixed Benefit Option. We will require the following:

Employed:

  • Last month’s payslip or equivalent
  • Last P60.

Self-employed:

  • Last 2 years’ HMRC Self Assessment tax returns
  • Copies of the last 2 years of certified accounts.

Company director:

  • Last 3 months’ payslips or equivalent
  • Last 2 years’ P60s
  • Last 2 years’ HMRC Self Assessment tax returns
  • Copies of the last 2 years of certified company accounts.

Medical underwriting limits

The following table outlines our monthly automatic medical limits. If your client chooses a monthly benefit above the limits in the table for their age, we will require further medical evidence to support their application.

Plus all income protection members also get access to:

The free members app that provides quick and convenient medical advice and treatments via their smartphone or tablet and can be accessed from anywhere in the world.

  • GP on demand and prescription service
  • Second medical opinion
  • Physiotherapy 
  • Mental health support
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ADVISER TOOLS & LITERATURE

The income protection conversation starts here

Pure Protection Plus

Pure Protection Plus

Product guide

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Pure Protection Plus

Pure Protection Plus

Underwriting guide

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Complete toolkit

Complete toolkit

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Meet the team

Underwriting with a personal touch

If you have an underwriting query, our experienced team of over 20 underwriters can help.

Alex Yates
Andy James
Sarah Lloyd
Nick Bowker
Call: 0300 123 3203