We don’t offer paper forms. Everything is done online, all in one go.

Yes, we can time the insurance to work alongside their sick pay.

Here’s how it works:

• We can cover up to 65% of your client’s income

• If they get 50% pay from work for the first 3 months, we can cover the missing 15% during that time

• After their work sick pay ends, we will increase their cover for the remaining 50% subject to our normal 65% maximum.

This helps your clients income protection match their sick pay arrangements from their employer, so they continue to receive up to 65% of their income while they’re off work. This means your client doesn’t need to wait until their work sick pay finishes before their insurance payments can start.

Quotes are valid for 30 days. If anything changes or you need a new one after that, just get in touch.

Yes! If your client goes through a big life change (like having a baby, moving house or starting a new job), they can increase their insurance without answering more medical questions.

Just let us know within 3 months of the change. They can increase it by up to 50% of the amount of Sick Pay they had when they first bought their My Sick Pay up to £9,000 a year, as long as they stay within the 65% income limit up to £65,000 a year.

More information can be found in our terms and conditions:

• Guaranteed T&Cs
• Reviewable T&Cs

Take a look at the left-hand side of the screen, each section has a dot next to it. If one doesn’t have a green tick, there’s something missing.

Click into that section, fill in the missing information, and it should go through. Still stuck? Give us a call and we’ll help get it sorted.

Yes, you’ve got two options:

Use our Underwriting Guide, or contact our presales team for support:

•  01452 782 760
•  [email protected]

Opening hours: 10am–12pm and 2pm–4pm, Monday to Friday.

Yes, sometimes the system remembers settings from a previous quote. We can check what’s available under your agency and make sure the right options are showing.

Just give us a call on 0800 716 654 if you are unable to see other commission terms and we can confirm what should be available to you.

No worries, just use our password reset link.

If that doesn’t work, give us a call on 0800 716 654 and we’ll get it sorted.

It depends on how they work, but here’s what we usually ask for:

• Self-employed: most recent tax return (SA302)

• Employed: 3 months of recent payslips or a recent P60

• Company directors: details of net profit and dividends.

If we need anything else, our claims team will let you know.

For more information please see our claims brochure.

It depends on their situation. Our claims team will let you know exactly what’s needed when they make a claim.

It is worth checking in with your clients throughout the life of the policy and should their income drop it is worth checking they still have the correct level of cover.

Once the insurance is live, you can also view it in our Adviser Hub. Just search for the client’s name and click on their insurance details.

As long as we’ve confirmed your identity and permission to access the client’s details, we can share it with you.

If you are unable to find this please give us a call on 0800 716 654.

Once we’ve confirmed you can talk to us about the client, we’ll check the payment status. We’ll already be in touch with them as soon as a payment is missed, but it’s helpful if you reach out too. If payments aren’t restarted, the client will no longer be covered after 3 months.

The first payment is usually taken within 10 working days or on the client’s chosen date the following month. If there’s time left in the current month, a part payment may be taken first.

Yes, we can increase both what they get paid and what they pay, in line with the cost of living (RPI). They can say no to the increase whenever they like, and as many times as they want. We don’t limit how often they can opt out.