from Aviva

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Income Protection
from Aviva
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Have you ever thought about what would happen if
you couldnt work?
Who would pay the bills?
Income Protection is designed to give you a
regular tax-free benefit (under current tax
rules), if you are unable to work due to most
types of illness or accidental injury which
result in a loss of earnings.
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Think about your out-goings?
1,000
How much does it add up to?
1,500
2,000 a month?
What could you afford if your income stopped?
Statutory sick pay is just 79.15 a week around
340 a month (April 2009), for employed people.
After 28 weeks this will change depending on our
level of incapacity Would this cover your
outgoings?
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• State incapacity
• Over 2.4 million people are claiming state
  incapacity benefit.
• Over 2 million of these have been claiming for
  over 6 months
• Source Department of work and pensions April
  2008

It could happen to you?
What would affect your ability to work?

• Some common conditions we have covered include
• Stress
• Back pain
• Broken bones
• Cancer
• Arthritis
• Heart attack

We pay over 25 million a year on Income
Protection claims, dealing with over 2,900 claims
a year. Source Aviva April 2008
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Income Protection Solutions - flexibility to
choose
Choice of retirement ages from 50 to 70 years old
Guaranteed or reviewable rates
Chose to take a career break and maintain a level
of cover
Range of deferred periods from 4 weeks to 112
weeks
Cover up to 60 of your gross earnings
Guaranteed Insurability option increase your
cover if you need to at certain lifestyle events
Limited payment term limit the claim period to
5 years
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What about when you need to claim?
If you unable to work due to an eligible illness
or injury, the Income Protection policy will pay
you a pre-determined benefit, per month.
Our claims service

• A truly personal service with a dedicated Claims
  Adviser for
• your entire claim.
• Each claim is treated individually in a way that
  suits you.
• A New Claim Team of trained counsellors, who, in
  most cases help the claimant complete their claim
  form over the phone.
• All claims conversations are conducted in a
  non-call centre
• environment, putting the customer at ease in
  what can be a
• difficult time.
• Offering our customers an empathetic, personal
  approach whilst helping us get to the cause of
  the problem.

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What our customers think
Brian Stubbs
Your customer handling is superb and your company
has helped me a great deal in all levels of
service, I am extremely ill and deteriorating but
I know I will always have your support. Thank you
again. In my opinion you provide the best product
and customer care I have ever come across.
Velvyn Riddell
Thank you for helping me though a very difficult
time in my life. I did not expect anything like
this to have happened to me. My health had always
been so good, but thank god that I had the
foresight to find your protection policy which
has seen me though the later years of my
childrens education when I could not work.
Source Aviva annual IP Claims Survey, 2008
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What our customers think
Walker Fisher
I would recommend that everybody should have
income protection. When I became unable to work I
was always treated with respect and never rushed
by staff. The money I received monthly from the
policy helped greatly to reduce money worries I
would have had without the policy.
Ken McNeely
When you are diagnosed with a serious illness and
unable to work, financial concerns can exacerbate
the situation. This policy has eased my financial
worries and I thank Norwich Union for the
efficient manner in which my claim has been
administered.
Source Aviva annual IP Claims Survey, 2008
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What next? Discuss your income protection needs
with your financial adviser or insurance
intermediary.
Aviva Health UK Limited. Registered in England
Number 2464270. Registered Office 8 Surrey Street
Norwich NR1 3NG. Income Protection underwritten
by Aviva Life Pensions UK Limited. Registered
in England Number 3253947. Registered Office 2
Rougier Street York YO90 1UU. Authorised and
regulated by the Financial Services Authority.
Aviva Health UK Limited Chilworth House Hampshire
Corporate Park Templars Way Eastleigh Hampshire
SO53 3RY www.norwichunion.com/healthcare