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We have gone out to each insurer in order to help you better understand the options they are making available to help clients suffering from financial hardship keep their policies in force but pay a reduced or no premium. In the tables below you can select the insurer you would like to see the answers for.

We are still awaiting responses from a number of insurers and this table will be updated as soon as we receive them.

Sabbatical/Career Break – Income Protection

1 Do you offer a career break/sabbatical option?
1.1 Is the career break/sabbatical option only available to certain occupations?
1.1.1 If yes, please state which occupations
1.2 Can a career break/sabbatical be used in the following scenarios?
1.2.1 A client who has lost their job due to COVID-19
1.2.2 A client who has a reduced income due to COVID-19
1.3 How long must the policy be in force before a career break/sabbatical option can be exercised?
1.4 If a client excercises a career break/sabbatical are they required to repay premiums at the end of the break?
1.5 Is the client required to give a specific time frame for the career break/sabbatical?
1.5.1 Can the client stop the career break/sabbatical earlier than the time frame given?
1.6 What is the maximum time frame the career break/sabbatical can be applied for?
1.7 Will the client be required to complete a declaration of health or other underwriting questions at the end of the career/sabbatical break holiday?
1.8 Is the client still covered during the career break/sabbatical period?
1.8.1 If yes is this based on reduced cover?
1.8.1.1 If yes does the premium reduce
1.8.2 If yes what definition of incapacity is used
1.9 If a client takes a career/sabbatical break resulting in reduced or ceasation of premiums do you clawback any commission within the imdemnity period
1.10 If a client takes a career/sabbatic break resulting in reduced or ceasation of premiums do you still pay non-imdemnity commission?
1.10.1 If yes is this payed on a reduced basis?
1.11 If a client takes a career/sabbatic break, will you extend the imdemnity/Non-Imndemnity period in line with the length of the career/sabbatical break
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