Essential Ability Cover Plan - Adviser Guide.

ADVISER HOTLINE: 0800 783 3282

Why choose Essential Ability Cover?

Monthly benefit payments if illness or injury leaves your client unable to perform a number of essential activities for a prolonged period.
Provides valuable alternative cover for those in high risk occupations who may find it too expensive or too difficult to arrange traditional income protection.
Cover for people in a wide range of occupations, including the self-employed, people who change jobs frequently, and those with no full time paid occupation (such as housepersons).
Cover and benefits can be protected against inflation.
Provides cover to a maximum age of 70.
Generous maximum benefit level of £25,000 per year which is not earnings related.

About Unum.

Unum is the UK’s leading provider of income protection insurance, with almost four decades of experience.

We enable individuals to protect their lifestyles, ensuring their financial security if they become unable to work because of illness or injury. In addition, our income protection customers benefit from our expertise in the specialist areas of vocational rehabilitation and return-towork. For employers, we safeguard one of their most valuable resources by helping employees return to work following longterm absence.

At the end of 2008, Unum protected almost 1.6 million people through more than 15,200 schemes. During 2008 we paid total benefit claims of £263 million – of which more than £201 million related to income protection claims.

Our US parent company, Unum Group, traces its history back to 1848 and is one of the leading providers of employee benefits products and services, and the largest provider of group and individual disability income protection insurance in the United States. Premium income for Unum Group and its subsidiaries totalled $7.8 billion in the year ended 31 December 2008, with reported revenues for the group totalling $10.0 billion. Total assets were $49.4 billion at 31 December 2008.

For more information please visit www.unum4advisers.co.uk/individual

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Plan Guide.

Product Description.

Provides a regular monthly benefit if your client suffers an illness or injury which means your client can't do a number of basic day-to-day activities - see 'Abilities Test' below.

Min/Max Age.

18/64 age last birthday.

Min/Max Terms.

Minimum term is 5 years; policy termination can be between ages 50 - 70.

Max Benefit.

£25,000 per year.

Minimum Premium.

£5 per month; £60 per year.

Rate Options.

Reviewable only.

Replacement Ratio.

Benefits are not related to pre-incapacity earnings.

Abilities Tests.

There are two distinct measures, the Physical Test and the Mental Health Test.

We will pay benefit if you satisfy either test.

Physical Test: You will be considered incapacitated if you can't do 3 of the following 11 tests at any given time:

Sitting
Getting up from a chair
Walking
Lifting
Walking up and down stairs
Bending and kneeling
Using your hands
Reaching with you arms
Performing domestic duties
Driving
Seeing - Failing this test on its own qualifies for a claim.

Mental Health Test: You will be regarded as incapacitated if you suffer serious symptoms of mental illness or any serious impairment in social or occupational functioning.

Benefits payable under the:

Mental Health Test or
Physical Test where symptoms are self-reported and unproven by tests are limited to 24 months.

Note: All of the tests are described in more detail in the Key Facts document and Policy Terms and Conditions

Deferred Periods.

4, 8, 13, 26, 52 weeks.

Indexation of Cover

RPI (max 12% each year).

Indexation of Payment.

Level, 5% or RPI (max 12% each year).

Disability Counselling Rehabilitation Services.

Vocational Rehabilitation Consultants are health professionals with a wealth of knowledge and experience. They can provide support and assistance in rehabilitation and advice about State benefit entitlement.

Claims Criteria.

No link to pre-incapacity income. Continued earnings disregarded. Similar cover not taken into account.

Medical Underwriting Limits.

No automatic requirement for a GP Report or medical examination.

Non-smoker Rates.

Must have not smoked cigarettes in the 12 months prior to effecting a policy.

Exclusions.

There are no standard exclusions.

Commission.

Option 1 : 130% of Lautro, 3.25% renewal
Option 2 : 21% level

For further information about Unum's Essential Ability Cover Plan, please request a copy of the Key Features Document by contacting our Adviser Hotline on 0800 783 3282 or by logging on to www.unum4advisers.co.uk/individual.

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Unum Limited is authorised and regulated by the Financial Services Authority.

Registered in England 983768.

We monitor telephone conversations and e-mail communications from time to time for the purposes of training and in the interests of continually improving the quality of service we provide.

Registered office:
Milton Court, Dorking,
Surrey RH4 3LZ.
TEL: 01306 887766
FAX: 01306 881394
TXT TEL: 01306 887784

UP860 06/2009