Income Protection

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Personal Details

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Are you a smoker?

A non smoker is classified as a person who has not smoked cigarettes, cigars or pipe tobacco, used Nicotine replacement products like E-cigarettes, vaping, nicotine gum, patch, inhalers, hookah pipe, tablets, lozenges or sprays in the last 12 months.

Ceasing age
Self employed

There is a waiting period at the start of your claim before payments begin. We call this the deferred period. It is the amount of time you wait before you start receiving income from your policy. You can choose how long this is: 1, 2, 3, 6, or 12 months (4, 8, 13, 26, or 52 weeks).

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