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We're working with Cardif Pinnacle to bring you Lifestyle Protector, which could give you peace of mind if you couldn't work due to an accident, sickness or being made unemployed.
It's a Short-Term Income Protection insurance policy that may cover your monthly outgoings if you were unable to work - including your mortgage, credit card and loan payments, as well as bills and other regular expenses.
This means you don't have to set up separate insurances – just one tailored policy. Simple.
Lifestyle Protector is sold, underwritten and administered by Cardif Pinnacle. Chelsea Building Society only offer an introduction to Cardif Pinnacle to new and existing mortgage customers.
Lifestyle Protector fits around your needs with a range of different options.
You can choose:
Either:
Note: Unemployment only cover will be available from 2 July 2012.
You can cover up to 60% of your gross monthly income up to a limit of £2,500
Depending on the type of cover you choose, you can wait from 14 to 180 days before you receive any payments. This allows your Lifestyle Protector policy to fit around benefits you may get from work
Depending on the type of cover you choose, payments can be made from 6 to 24 months
A typical premium for £100 of Monthly Benefit is:
| Age | Monthly Premium |
|---|---|
| 25 | £4.07 |
| 35 | £4.61 |
| 45 | £5.87 |
| 55 | £7.48 |
This is based on a non-smoking customer with Accident, Sickness and Unemployment cover paying £700 of monthly benefit up to 12 months with a 30 day wait period.
The following exclusions apply:
There are other providers of Short-Term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.
Chelsea Building Society chooses to introduce its customers to Cardif Pinnacle for the purposes of advising on and arranging Short-Term Income Protection products bearing Cardif Pinnacle's name. Cardif Pinnacle is a trading style of Pinnacle Insurance plc. Pinnacle Insurance plc is authorised and regulated by the Financial Services Authority.
Chelsea Building Society and the Chelsea are trading names of Yorkshire Building Society. Principal office: Yorkshire House, Yorkshire Drive, Bradford BD5 8LJ. Yorkshire Building Society is a member of the Building Societies Association and is authorised and regulated by the Financial Services Authority. It is entered in the FSA register and our FSA registration number is 106085.
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