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We believe everyone should have peace of mind over their income, regardless of their occupation. Some clients in riskier jobs – like tradespeople, nurses and electricians – can be more expensive to insure, and need tailored cover.
Our Personal Sick Pay offers specialist income protection aimed specifically to these clients. It’s built with a number of features with them in mind:
**For clients who are self-employed, they currently won't be able to take out a policy with a day one or one week waiting period. It's possible that we may restrict waiting periods for other people depending on their personal circumstances.
Personal Sick Pay forms part of our Flexible Protection Plan – the only menu plan in the market that offers specialist income protection for clients in riskier occupations. Opt to add Life and Critical Illness Cover, Life Insurance or Family Income Benefit to give your client reassurance over their future.
Protect your clients quicker – with our unique quote and apply system, Fastway, you’ll only need one application, set of underwriting and Direct Debit.
If your client is eligible for Personal Sick Pay, they’ll reap the benefits of our Doctor Services. Providing confidential, expert medical advice whenever it’s needed, your client can access the service by app or phone whenever they need to. Services available include:
Your clients get greater value with our Personal Sick Pay. Once they've agreed to become an LV= member, they’re entitled to exclusive benefits and support:
We offer a clear and fair approach to paying claims – and believe anyone can be affected by long-term illness, regardless of age or lifestyle.
We’re proud to have paid 93% of Income Protection claims in 2019. A successful claim is as important to your client as it is to you - your clients get vital financial help when they need it most and you feel confident in the provider you recommended.*93% Income Protections claims paid (includes new claims admitted in 2019 and those already being paid before 1 January 2019 that continued to be paid in 2019) 81% Income Protection for new claims admitted in 2019. Personal Sick Pay claims are not included.
We’re committed to supporting the conversations you have with your clients, with expert underwriting and online quote and apply.
Our underwriting measures an individual’s risk – assessing their lifestyle, medical history, occupation, hobbies and financial circumstances. That means we offer the right terms in relation to risk. But we keep it simple – we offer terms wherever possible and without unnecessary medical evidence.
Our quote and apply system – Fastway – makes it quicker to protect clients. It’s a fast and flexible application journey and gives you an immediate underwriting decision.