Transcription of User guide - including general terms
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User guide - including general terms
income Protection policyUser guide - including general termsIncome ProtectionBecause everyone needs a back-up planPage 2 of 46UP841 02 2016 income Protection policyUser guideThis document: Explains the main features of our income Protection (IP) product Includes the general terms which contain the detail of the insurance contract between the policyholder and Unum. The general terms and the policy document including the policy coverage document should be read as if they were one document. If parts of the user guide are referred to in the general terms or the policy coverage document, those parts also become part of the policy . If there is any difference between them or any ambiguity, the terms in the policy coverage document will apply Is designed for use by commercial customersThe policy provides: A monthly benefit if a member is unable to work because of illness or injury for an agreed length of time The option to provide: Additional benefits covering associated business expenses and ongoing employment costs Additional lump sum benefits to be used at your discretionUnless specified, any references to employees include the equity partners of a partnership or members of a
Income Protection policy User guide - including general terms Income Protection Because everyone needs a back-up plan
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