How to protect clients with five years’ sick pay via group income protection

2 Comments

1. 

   david berry on 14th October 2025 at 2:50 pm

   great and spot on always read the small print

   Now something you should look at protection guru ? try this out select any occupation so they can have max 65% of earnings a level 2 to level 4 clients 30 and above
   base it on maximum cover for someone earning £25000 year which is £1354 month 4 week deferred period with indexed cover to age 70 on a guaranteed basis no annual increase other then indexation
   I guarantee that no one will even come close to Cirencester friendly

   Reason first and most important only increase the premium each year by the cost of living index, everyone else will have the premium going up at 1.5x the cpi rate or rpi whatever they use accept London only 1.2, but apart from holloway who only use the same as cirencester. over 40 years that is one heck of a difference, especially if you cannot do the job again and your claim carries on being indexed which it will

   Reason 2 all the other providers including the friendlies are dearer check it out. Do a quote level 2 to level 4 and main companies at level 4 and in some cases 3 will not do deferred periods of 1 month anyway. health hero benefits free they are streets ahead of anyone else

   Now that is something you should be really letting advisers know about
   i have just done agroudwoker is shareof net profits 25000 he is 40 next premium guaranteed with indexation £1354 month £59.43 month

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     david berry on 14th October 2025 at 2:54 pm

     interested to see what you think

     Reply