Lifestyle COVER THE REST. Competitor comparison guide We’re confident that our 5 star Defaqto rated Lifestyle Cover stands up against the rest. We understand that your customers will want an unbiased assessment of like against like. That’s why in this leaflet you can compare us to six major Short-term Income Protection providers. 2013 SHORT TERM INCOME PROTECTION This is not a consumer advertisement. It is intended for financial advisers and should not be relied upon by any other person. 12 Pre-existing Condition Qualification Period or contact your usual Legal & General representative www.legalandgeneral.com/advisercentre [email protected] CONTACT US 24 12 Previous Illness Period 24 120 60 Initial Exclusion – Unemployment (days) Yes Yes 0 75% of gross income 65% of gross income 0 3,000 3,000 Initial Exclusion – Accident and Sickness (days) Cover Transfer Maximum Earnings (%) Maximum Monthly Benefit (£) Excess Options Available 30 ASU ASU, AS, U 30, 60, 90, 180 Income Protector ASU (30 days) Lifestyle Cover ASU (30 days) Product Cover Options Available Assurant Intermediary Ltd Legal & General Provider 24 12 90 0 No 60% of gross income 2,500 30, 60, 90 Q0033994 CW2557 08/13 24 12 60 0 Yes 90% of net income 3,000 30, 60 ASU, AS, U Legal & General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are a member of the Association of British Insurers. Legal & General Insurance Limited. Registered in England and Wales Number 423930 Registered office: One Coleman Street, London EC2R 5AA 24 12 120 0 Yes 50% of gross income 1,500 30, 60, 90, 180 ASU, AS, U Keystone – ASU (30 day excess) Mapfre Income Protection Insurance ASU (30 days) Income Payment Protection ASU 18-50 yrs (30 days) ASU, AS, U MMS Mapfre Assistance British Insurance short-term income protection – Competitor Comparison Guide 24 12 120 0 No 60% of gross income 2,000 30, 60 ASUH, ASH, UH Income Protection Insurance ASUH (30 days) Synergy Financial Products Ltd The content of this grid is for information purposes only and is subject to change, please check the providers’ website to confirm details and availability. Source: Defaqto, information correct at June 2013. 12 12 120 60 Yes 65% of gross income 2,000 30, 60, 90, 180 ASU, AS, U IncomeShield ASU (30 days) Paymentshield