Realm 5 Year Income Protection And Accidental Death

Realm Protection 5 Year Income Protection and Accidental Death insurance is designed to help take care of your normal monthly commitments in the event that you are off work as a result of an accident or sickness (disability). Your outgoings do not stop just because your income does, that is why income protection can be important.

If you suffer an accidental death during your period of cover, we will pay your estate a benefit of £30000. This is subject to you being in work at the time your accidental death occurs.

If you have an existing policy with another provider, you can apply to cancel and replace your cover to Realm Protection if you feel the policy we offer meets your demands and needs and you meet the eligibility requirements. There should be no gap between the date you cancel your old policy and the start date of your new Realm policy.

The wait period before you can claim will depend on the type of cover you select. The longer the wait period the lower your monthly premiums will be. Realm Protection 5 Year income protection offers two wait periods for you to choose from, either 30 or 60 days. You can start claiming on your insurance after the wait period you have selected is over for accident and sickness as certified by a doctor.

The maximum number of monthly benefit payments for our policy is 60 monthly consecutive payments in any one claim period.

Yes as long as you meet the eligibility criteria. Just like an employed person you will need to provide a copy of a sick note from your GP or consultant if you are making a claim on the accident and sickness element of cover.

Yes as long as you meet the eligibility criteria. Just like an employed person you need to provide a copy of a sick note if you are making a claim on the accident and sickness (disability) element of cover.

This policy is designed to provide financial support when you are out of work due to accident or sickness (disability). It does not cover you for redundancy.

Any existing medical condition would be classed as a pre-existing medical condition. There is a 2 year pre-existing condition exclusion on this policy and although you may not have been specifically asked about an illness if you are currently suffering from it or have been in the last 2 years no claim will be payable. A pre-existing condition means any sickness, condition or injury, whether diagnosed or not, about which you knew or reasonably should have known at the policy start date or you had seen or arranged to see a Doctor during the 2 years prior to the policy start date. A claim originating from this pre-existing condition regardless of when the claim occurs within the duration of this policy would not be paid.

Yes as long as there is radiological evidence of medical abnormality, visible wound, contusion confirmed by a doctor, or a consultant certifies that the condition solely prevents you from working.

Yes as long as a consultant psychiatrist certifies that the condition solely prevents you from working.

Yes, the monthly benefit chosen must not exceed £2500 or 75%, of your normal gross monthly income.

Yes you can adjust your benefit amount according to any changes in your circumstances, without having to take out a new policy.

The policy will be valid for five years as long as premiums are paid monthly for the entire period.

You must give notice of a claim by telephoning the administrator on 01285 626020

If you are in receipt of monthly benefit you must continue to pay your monthly premium as it falls due in order to ensure continuous cover under this policy. We will reimburse your premium for each month you claim as part of your monthly benefit.

No. The only time your premium will change is if you choose to adjust your monthly benefit amount or you are on Maternity/Paternity leave, or if the government alters or imposes any tax or other charge (for example, if the rate of Insurance Premium Tax changes), your premiums will increase accordingly.

If you are on Maternity/Paternity leave no claim will be paid because no loss of income will occur. In these circumstances, your premium will be reduced to a quarter of the normal amount payable.

Yes you can and if you continue your policy with us you will be eligible for all benefits under the policy up to the age of 65. If you are age 61 or above, unfortunately you will not be able to apply.

Realm Protection and the insurers are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangement is available from the FSCS

Disability and Accidental Death insurance is underwritten by Maiden Life Försäkrings AB. Registered Office: Klarra Norra Kyrkogatan 29, Stockholm 111 22 Sweden. Maiden Life Försäkrings AB are authorised and regulated by Finansinspektionen (the Swedish Financial Regulator), and are registered with the UK Financial Conduct Authority, registration number 464517.

You do not have to consult your GP to complete the application. However, in order to process your application there are questions we need to ask you to make sure that the product is both suitable for your needs and that you are eligible for cover. We rely on the information you provide us when making the decision to insure you. Please answer all the questions to the best of your ability and we only ask for information that we believe is reasonable for you to know. We do not expect you to have to check your answers with your GP.

No. You have to be resident in the UK for more than 9 months in the year.

If You return to Work on reduced hours or need to perform a new role that pays less than your own occupation, you will need to provide us with details of your company's HR department and we will contact them to assess any shortfall in your monthly income. This shortfall will be paid by us as long as we continue to receive evidence to support this.