Monthly benefit
£0.00/mo
ActiveThe Exeter · ends 01 Sep 2052
Replaces part of your income if illness or injury stops you working. Benefit starts after your deferred period and continues until you return to work or the policy ends.
Income you'd replace
Monthly outgoingsCovered £4,250.00Monthly outgoings £5,600.00
£1,350.00 a month of your outgoings wouldn't be replaced. Your deferred period is 13 weeks, so cash reserves need to bridge that first.
Policy number
IP‑4471 5520
Lives assured
Single life: John Whitfield
Started
01 Sep 2022
Ends
01 Sep 2052
Term
30 years · 26 remaining
Written in trust
No
This policy isn't written in trust. Benefit is paid to you directly, so it doesn't affect your estate, but James can review whether a trust is worthwhile alongside your other cover.
Benefit
£4,250 per month
Deferred period
13 weeks
Benefit period
To age 65
Definition
Own occupation
Indexation
RPI, capped at 5%
Illness preventing work
Own occupation definition
Injury preventing work
Including accidents outside work
Mental health conditions
Covered, subject to evidence
Back and musculoskeletal
No exclusions applied
Rehabilitation support
Case manager from week 4
Redundancy
Not covered
Premium
MonthlyAmount
£52.15 / month
Basis
Reviewable at age 50
Paid by
Direct debit · 1st
Paid this tax year
£260.75
Term elapsed
4 of 30 years · 26 years of cover remaining
Making a claim
1
Tell us as soon as you stop working. We can start the claim before your deferred period ends.
2
Your GP evidence and employer statement are gathered by the insurer's claims team.
3
Benefit is paid monthly in arrears once the 13‑week deferred period completes.
Documents
Critical illness cover
Aviva · £250,000.00 lump sum
Cover figures are illustrative and taken from your policy schedule. Terms, exclusions and definitions apply. Always read the key features document before relying on cover.