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Premiums start at only £2.50 per £100 of monthly benefit.

You get the reassurance of back-to-day-one cover which means you receive tax free benefits paid from the first day of a claim.

You can choose between unemployment only cover, incapacity only cover or both combined. Also known as accident, sickness or redundancy cover.

All applicants are offered the same premium irrespective of age, gender or occupation.