Some clients don't always have straightforward sick pay arrangements. They might get paid 100% of their salary for the first six months, followed by 50% for another six months. In such cases, writing two separate income protection policies with different cover amounts and waiting periods could be appropriate.
This easy-to-use calculator will help you recommend the maximum amount of LV= Income Protection available, based on your client's current earnings and employer sick pay arrangements*.
* The maximum amount of income protection available with LV= is 60% of current earned income