Permanent Disability Plus

Capital Sum Benefit

If you are unable to work for 12 months and your condition is Permanent, the sum insured is paid in full as a lump sum.

What Perils are Protected:

Accidents or Illness that cause Permanent Total Disability.

How the Benefits may be Structured:

There are 2 different policy types – a cheaper premium where the sum insured reduces gradually to age 65 as the need for cover reduces, or a more expensive premium where the sum insured stays the same each year. You choose the premium and you choose the cover.

Elimination Period:

12 months and with a condition that is Permanent.

Excluded Benefits Summary:

  • War, invasion, civil commotion or riots. Wilful exposure to exceptional danger.
  • Disablement from accidents that occurred or illnesses that incepted before the policy was first purchased.
  • Accidents which are the result of hazardous occupations or pursuits unless these have been noted and agreed in advance by the insurers (and any additional premium required has been paid).
  • Self-inflicted injury
  • AIDS, ARC or HIV
  • The insured person being under the influence of alcohol or drugs
  • Pregnancy, childbirth, miscarriage or abortion.
  • Neuroses, or emotional diseases or disorders.

Griffin Underwriting Ltd is reinsured 100% with certain Underwriters at Lloyd's, London and is registered in Guernsey under Registration No. 42359 and regulated by the Guernsey Financial Services Commission.

By continuing to use this site you agree to the use of cookies. For more information and to find out how to change this click here