When does my policy cease?

In the case of a claim, your policy will cease when the maximum benefit term is reached. The maximum period we pay out for the benefit is shown on the policy schedule (either 6, 12, or 24 months). However, pay-outs may stop before the maximum period is up as the benefit will pay out only until the first of these events takes place:

Temporary Income Protection:

• The client's full recovery
• The day we consider the client able to go back to their own occupation
• The client's death
• The policy anniversary following the client's chosen retirement age or at the expiry of the term of the policy, whichever is the earlier
• The end date of this benefit
• Notification from the client to cancel the policy

The terms and conditions of the policy will prevail

Permanent Income Protection:

• The date the client is fully recovered
• The date the client are able to work in their own occupation or any suited occupation they can be expected to do because of training, skills or experience
• The client's death
• The policy anniversary following the client's chosen retirement age
• The end date of this benefit

The terms and conditions of the policy will prevail.