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Pays out a regular income should the worst happen - helping provide better financial security for your family

Family Income Assurance

Family Income Assurance options

Our Family Income Assurance plan has a number of options to suit your client’s needs as shown below.

Level cover

  • The regular income we would pay your client is fixed when they start paying the premiums and won’t change
  • This means it won’t keep up with inflation and may buy less in the future.

Inflation-linked cover

  • The amount of cover and premium will go up in line with inflation (RPI)
  • If we're paying a claim the maximum annual increase is limited to 12%

Terminal illness benefit

  • We'll pay up if your client is diagnosed with a terminal illness up to 12 months before the end of the plan
  • A terminal illness is a rapidly progressing and incurable illness where in the opinion of a doctor and our Chief Medical Officer, life expectancy is less than 12 months
  • This will need to be diagnosed by a doctor practicing in one of the countries listed in our plan conditions. (We may also request that your client is seen by a doctor of our choice)
  • Once we’ve paid a terminal illness claim on the plan, the cover will stop

Waiver of premium

  • Pays the plan monthly premiums after a waiting period of 26 weeks
  • Premiums will be waived until the life assured is able to return to work, reaches age 65, dies or until the end date of the plan

Please read the policy conditions to understand this feature in full.

0800 678 1890

TextDirect: first dial 18001

8.30am - 6.30pm Monday - Friday

We will record and/or monitor calls for training and audit purposes.


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Need more cover?

Take a look through the other protection products we offer within our Flexible Protection Plan.

View our Flexible Protection Plan

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See our trust options and use our Online Trust tool to find the option most suited to your client's needs.

More about our trusts

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Member benefits

Taking out a Family Income Assurance plan entitles your client to member benefits.

More about our member benefits

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Contact us

Read more about where we're based and all of our contact information.

How to contact us

Connect with us

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LV=, County Gates, Bournemouth, BH1 2NF, UK