1733903888O:8:"stdClass":39:{s:2:"id";i:39;s:12:"product_name";s:13:"Income Anchor";s:13:"policy_prefix";s:9:"IA120NVS/";s:13:"policy_serial";s:5:"10001";s:7:"insurer";s:16:"Novus - Helvetia";s:11:"insurer_crm";s:12:"IncomeAnchor";s:23:"inital_exclusion_period";s:8:"120 days";s:14:"benifit_period";s:2:"12";s:20:"benifit_amount_limit";d:2500;s:18:"benifit_percentage";d:65;s:16:"special_benifits";N;s:14:"product_status";i:1;s:12:"keyfacts_doc";s:21:"IncomeAnchor_IPID.pdf";s:19:"policy_wordings_doc";s:31:"IncomeAnchor_Policy_Wording.pdf";s:21:"intial_disclosure_doc";s:14:"Best_IDD_4.pdf";s:20:"your_policy_doc_text";s:2546:"You are only eligible to receive benefits under this policy provided you meet certain conditions. It is therefore essential that you satisfy yourself that the following conditions apply to you:
- I am aged over 18 and under 64. I appreciate that cover will automatically terminate when I reach the age of 65 and that any benefit payable under the policy will terminate when I reach age 65 if it has not terminated before that date.
- I permanently reside and work within the United Kingdom.
- I am actively working in paid employment for more than 16 hours per week.
- My work is not temporary, casual, seasonal, irregular, a period of training/apprenticeship or for a specific task.
- I must be in work, actively working and continuously self-employed, a contract worker or employed with the same employer, for at least 6 months prior to the policy start date.
- I am not currently off work, working reduced hours or on restricted duties due to accident or sickness.
- I am aware that I must continue to pay my premiums on time.
- I am not aware of any pre-existing condition, illness, disease or injury that may cause me to make a claim under this policy, unless I have disclosed it to you, and we have confirmed in writing that we have accepted these conditions and will offer me cover;
- I am aware that if the sum insured under this policy and any other similar insurance policies, I may be able to claim on must not exceed 65% of my normal income or the maximum benefit amount allowed within this policy, whichever is lower and if I exceed this limit my benefit will be reduced.
Important Notes
Your bank account will not be debited until the policy commences. You are reminded that you must provide all material information likely to influence the acceptance and assessment of the Insurance. If you have any doubts as to whether a fact is material, it should be disclosed both before the policy commences and throughout the duration of your policy. Failure to disclose all material facts may invalidate your policy or may result in your policy not operating fully. Where circumstances affecting this application change between submission and the date the policy commences, you must notify Best Risk Management & Financial Service Ltd, Gemini Business Centre, 136-140 Old Shoreham Road, Hove, BN3 7BD, who are the administrators for this policy.
Remember you are responsible for the answers given on your application.
";s:19:"buy_with_confidence";s:127:"Best Insurance supports new measures being introduced by the industry to increase levels of security for internet transactions.";s:12:"instructions";s:396:"Please pay Close Brothers Ltd t/a Close Premium Finance Direct Debits from the account detailed in this Instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this Instruction may remain with Close Brothers Ltd t/a Close Premium Finance and, if so, details will be passed electronically to my bank/building society.
";s:16:"self_decleration";s:807:" I declare to the best of my knowledge and belief, that the statements made, are true and complete and recorded accurately in this application. I understand that if I do not give all requested information truthfully and accurately and this information affects your decision to insure me, it will mean that you will end my policy immediately or you will not pay me any benefit. I confirm that I have reviewed the declaration statements, Policy Wording and Insurance Product Information Document. For your own benefit and protection you should read these documents carefully. If you don't understand any point, please contact us for further information. The documents above contain important information relating to the policy that you are about to purchase and on which we will rely in the event of a claim. ";s:10:"disclaimer";s:2649:"You are only eligible to receive benefits under this policy provided you meet certain conditions. It is therefore essential that you satisfy yourself that the following conditions apply to you:
- I am aged over 18 and under 64. I appreciate that cover will automatically terminate when I reach the age of 65 and that any benefit payable under the policy will terminate when I reach age 65 if it has not terminated before that date.
- I permanently reside and work within the United Kingdom.
- I am actively working in paid employment for more than 16 hours per week and, should I become unemployed am eligible to register as unemployed with Job Centre and will be eligible to receive Job Seekers Allowance.
- My work is not temporary, casual, seasonal, irregular, a period of training/apprenticeship or for a specific task.
- I must be in work, actively working and continuously employed for at least 6 months prior to the policy start date with the same employer.
- I am not currently off work, working reduced hours or on restricted duties due to accident or sickness.
- I am aware that I must continue to pay my premiums on time.
- I am not aware of any pre-existing condition, illness, disease or injury that may cause me to make a claim under this policy, unless I have disclosed it to you, and we have confirmed in writing that we have accepted these conditions and will offer me cover;
- I am aware that if the sum insured under this policy and any other similar insurance policies, I may be able to claim on must not exceed 65% of my normal income or the maximum benefit amount allowed within this policy, whichever is lower and if I exceed this limit my benefit will be reduced.
Important Notes
Your bank account will not be debited until the policy commences. You are reminded that you must provide all material information likely to influence the acceptance and assessment of the Insurance. If you have any doubts as to whether a fact is material, it should be disclosed both before the policy commences and throughout the duration of your policy. Failure to disclose all material facts may invalidate your policy or may result in your policy not operating fully. Where circumstances affecting this application change between submission and the date the policy commences, you must notify Best Risk Management & Financial Service Ltd, Gemini Business Centre, 136-140 Old Shoreham Road, Hove, BN3 7BD, who are the administrators for this policy.
Remember you are responsible for the answers given on your application.
";s:13:"product_info1";s:121:"Based on the details furnished by you, we offer insurance underwritten by certain underwriter’s at Astrenska Insurance.";s:13:"product_info2";s:1035:"Our Short-Term Income Protection insurance products are deemed to meet the demands and needs of those seeking an indemnity against losses arising because of your involuntary Accident & Sickness.
We cannot advise you on the suitability of this insurance for your circumstances. As with any insurance, it does not cover all situations. Please read the terms and conditions of this policy to make sure it meets your specific needs.
You declare to the best of your knowledge and belief, that the statements made, are true and complete and recorded accurately in this application. You understand that if you do not give all requested information truthfully and accurately and this information affects our decision to insure you, it will mean that we may end your policy immediately or we will not pay you any benefit. You confirm that you have reviewed the declaration statements, Policy Wording and Insurance Product Information Document. For your own benefit and protection, you should read these documents carefully.
";s:16:"bankdetails_text";s:71:"You have opted to pay your insurance premium/s by monthly Direct Debit.";s:15:"trade_logo_link";s:16:"IncomeAnchor.jpg";s:8:"pdf_logo";s:16:"IncomeAnchor.png";s:20:"pdf_underwritten_txt";s:148:"Arranged by Best Risk Management & Financial Service Ltd & underwritten by Novus Underwriting Limited on behalf of Helvetia Global Solutions Limited";s:13:"originator_no";s:6:"807324";s:12:"order_number";i:0;s:9:"is_active";i:1;s:10:"created_at";N;s:10:"updated_at";N;s:13:"about_insurer";s:263:"Since 1858, Helvetia Insurance has developed into a successful international insurance group with over 11,500 employees and more than 7 million customers. They are known as a trustworthy, solid and innovative insurance provider with high-quality solutions.
";s:15:"what_is_insured";s:491:"You must check your schedule to see what cover you have selected along with the corresponding amount insured.
Subject to meeting the conditions of the wording, you are covered for:
This policy pays benefits in accordance with the policy wording for the following:
- Your monthly income up to a maximum of £2,500 or 65% of your normal gross income,whichever is the lesser.
";s:19:"what_is_not_insured";s:627:"We will not cover accident and sickness claims arising directly or indirectly from:
- Any pre-existing medical condition.
- Mental health conditions.
- Back related conditions where there is no radiological medical evidence of any abnormality or injury.
- Elective or cosmetic surgery and/or treatments.
- Use of alcohol or drugs.
- Claims arising directly or indirectly by or resulting from Coronavirus disease (Covid19) or Severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2); any mutation or variation of these or any other pandemic.
";s:12:"insurer_logo";s:12:"Helvetia.png";s:18:"cover_type_mapping";s:3:"Yes";s:22:"policy_flow_insurer_id";i:183;s:22:"policy_flow_product_id";i:569;s:10:"cover_type";s:2:"AS";}