Cirencester friendly

Income Assured Plus, from multiple award winning Cirencester friendly, is an innovative, affordable and flexible value for money product that goes beyond simply being income protection to meeting most eventualities throughout a person's working life.



Benefits include:

• A range of deferred periods from Day One
• Day One Accident Protection Cover on deferred contracts
• Competitive premiums
• No loadings for smokers, females, hazardous pursuits or occupation
• Select from 'protection and investment', 'protection only' or 'investment only'
• Index-linking as standard
• Choice of disability definitions
• Choice of retirement age from 50 - 65 years
• Option to increase the retirement age as the State retirement age changes in the future
• Free Waiver of Premium
• Terminal Illness Benefit

Cirencester friendly is a trading name of Cirencester Friendly Society Limited.

Registered and Incorporated under the Friendly Societies Act 1992. Reg. No. 149F.

Authorised and regulated by the Financial Services Authority.

Dentists' Provident

Dentists' Provident -

Established in 1908, Dentists' Provident is the leading provider of income protection insurance for dentists in the United Kingdom and Ireland.



As a Holloway Society, the benefits of membership are twofold - not only are there superior income protection benefits, but members also participate in the surpluses we make. Each year we allocate a share of any surpluses from our insurance business and our investments to each member and these bonuses accumulate to a cash lump sum available at retirement.



All registered dentists in the UK and Ireland under the age of 50 can apply for membership. Some of the benefits and features of our income protection solution are as follows:

• Own occupation definition of incapacity
• Wide range of deferred periods - no deferred period, any number of weeks between 1 and 52 and also 104 weeks
• Up to 60% of pre-incapacity income paid, with maximum initial cover of £1,200 per week
• Benefit payments and cash lump sum both currently free of UK income tax and capital gains tax
• Total flexibility - choice of packaged contracts and customised solutions
• 90% discount on standard premiums for Vocational Dental Practitioners/General Professional Trainees/Foundation Dentists for up to 12 months
• Ability to choose reducing, level or indexed benefit payments
• Severe disability benefit and enhanced death benefit options
• Career break option, with the ability to suspend cover for up to 2 years and resume at original level without medical reassessment
• Choice of paying premiums and receiving benefits in either Pounds Sterling or Euros

Exeter Family Friendly

Exeter Family Friendly helps you to minimise the cost and impact of ill-health for you and your family.

How do they do that?

Simply, Exeter Family will pay your bills if you are ill and unable to work. They do this with an award-winning range of income protection products:

Pure Protection - Pure simplicity. The same rates regardless of occupation and smoking-status and cover from day 1 available.

Professional Income Protection - A specialist product for low risk occupations. Fix your benefit so you don’t need to prove your income at point of claim.

Bills & Things – Exeter Family’s simplest plan that covers your bills & things for as little as £9.99 per month. No proof of current income required at application or claim.

LV=

For quotes, pre-underwriting enquiries and online support Tel: 0845 6020690 Fax: 01202 503433 Email: ifasupport@lv.com Website and online submissions: www.lvadviser.co.uk Protection business processing and administration For new business processing, pipeline tracking, commission, underwriting and claim queries New business Tel: 0800 0286333 Existing business Tel: 0870 6070762 Fax: 01392 287287 -

LV= offers a wide range of protection products designed to meet your clients' needs. We regularly review our products and services to ensure that they are amongst the best on the market.



Our Flexible Protection Plan offers you:

• Competitive rates
• Holistic approach to protection - mix and match Life, Income, Critical Illness and Mortgage Payment Protection as required
• One application form, one set of underwriting, one plan fee - simple and straightforward.
• Market-leading tele-Interviewing facility through our online system STP. Save valuable time and minimise non-disclosure issues.
• Healthy Steps, an absolutely free private health advice service for all policyholders
• Extra Care, a support service for critical illness policyholders

Other products in our protection range include Family Income Benefit, LifeTime+ (our Whole of Life plan) and Gift Inter Vivos.

Legal & General's Income Protection Benefit

Our Income Protection Benefit is designed to provide your clients with a monthly tax free benefit, if because of an illness, injury or unemployment (if this option is selected) they were unable to work, resulting in a loss of earnings.



Other benefits during the policy term include:

• A choice of how soon your clients benefit will start, with a deferred period of either 4*, 13, 26 or 52 weeks. (* Only available for certain occupations)
• Payments of up to £150 per night whilst in hospital, if your client's stay is over seven days during the deferred period.
• Option to stagger benefits paid, to help align with when their employer reduces and then stops paying benefits/sick pay.
• Waiver of premium benefit.
• Continuous cover available during a career break.
• Cover is available from a minimum of £10 per month.

For more information call our Legal & General Protection Sales Team