Does Income Protection have an initial exclusion period?

I’m considering taking out income protection, does this work in the same way as other types of insurances such as unemployment where you have to wait an initial amount of time before you can make a claim?




Question asked by Charlotte Smith
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Answered by Rauri Taylor

Exclusion periods for different kinds of insurance

There are a variety of policies on the market to choose from and they will all sound fairly similar until you get into the details of the terms and conditions.

With the accident and sickness insurance options Drewberry recommend there is no exclusion period at the start of the policy, and you can claim from the moment the policy starts for conditions occurring after the start date.

With unemployment insurance there is usually an initial exclusion period of often between 90 to 120 days, depending on the insurer, which is to safe guard the insurer against people taking out a policy when they are already aware they will be made redundant in the near future.

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As this type of insurance is so varied taking advice from an experienced adviser will help you obtain the best terms for your needs.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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