Protection for commercial pilots

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1 Protection for commercial pilots Loss of licence Pilot income protection Over 30 years experience providing independent financial planning advice to expatriates and people working abroad

2 Financial security while you re not flying If you re prohibited from flying because of medical reasons the likely loss of income can put enormous pressure on you and your loved ones. Strict health criteria for commercial pilots may prevent you from returning to work for a considerable length of time. This only adds to the difficulty of paying your mortgage, your children s education costs, and other financial commitments - especially if your income is vastly reduced. In response to feedback from our existing pilot clientele we offer a unique suite of products to give you financial security and peace of mind in the event you are unable to fly due to accident or illness. With two plans to choose from you can include optional extra coverage if you wish. Who s eligible? All commercial pilots of any nationality with any airline who hold a current commercial pilot s licence. Use our cover to top-up your airline coverage or if you are self-employed. 2

3 Two plans to choose from To provide you with a vital source of income if you are unable to fly for qualifying medical reasons we offer two plans: loss of licence and pilot income protection. You can add optional extra coverage to either plan if you wish, depending on your specific needs. Choose the core cover you prefer Loss of Licence Insurance Pilot income protection Temporary and permanent loss of licence cover provides monthly benefits if your licence is suspended temporarily for medical reasons and a lump sum payment if you lose your licence to fly permanently. Full benefits up to age 60 with no reduction in cover at age 55 and no exclusions for pre-existing conditions. Our Loss of Licence plan responds upon the suspension of your commerical pilot s licence for health reasons. Benefits commence upon completion of the deferred period. Temporary and permanent total disability cover provides monthly benefits if you are unable to work because of an accident or an illness and a lump sum payment if you are permanently unable to fly and there is no prospect of an improvement in your condition. Benefits are payable if the accident or illness occurs at work or outside of work and regardless of your ability to carry out any other occupation in the aviation or any other field. Our Pilots Income Protection plan responds upon diagnosis of an illness or injury which prevents you from flying. Benefits commence upon completion of the deferred period. Add optional extra cover if you wish Short-term disability Provides disability benefit after just 14 days to bridge the income gap between being unable to work and receiving your temporary loss of licence or temporary total disability benefit depending on which plan you are on. Ideal for: Newly qualified pilots with training loan repayments to make. Long-term disability Provides a disability benefit of maximum 60% of your salary for 20 years, or up to age 60, once your loss of licence cover ends. 3

4 Plans at a glance Get a quote Click here to get an instant quote - without obligation OPTIONAL Loss of licence cover Temporary loss of licence benefit 2% of permanent sum assured payable on a monthly basis (24 months, deferred period 90 days) Up to 400,000/ 400,000 permanent loss of licence cover Short-term disability Disability benefit starts after just 14 days Up to 60% of your certified gross monthly income Pilot Income Protection cover Temporary Total Disability Monthly income equivalent to 75% of salary payable for 24 months (deferred period 90 days) Permanent Total Disability Lump sum equivalent to OPTIONAL 3 times annual salary Short-term disability Disability benefit starts after just 14 days OPTIONAL Long-term disability Up to 60% of your certified gross monthly income Maximum 60% of your salary for 20 years, or up to age 60 4

5 Loss of licence Continue to meet your financial commitments, if your licence is suspended temporarily for medical reasons, with monthly benefits from our temporary loss of licence cover. If the worst happens, and you lose your licence permanently, a lump sum payment of up to 400,000/ 400,000 will give you security when you need it. OPTIONAL EXTRA COVER Short-term disability Features and benefits at a glance Up to 400,000/ 400,000 lump sum payable for permanent loss of licence on medical grounds to help pay for expenses such as your mortgage, bills, and other financial commitments 2% of permanent sum assured payable on a monthly basis for temporary loss of licence for up to 24 months Psychological illness - 100% of permanent sum assured payable in the event of mental illness No exclusion for pre-existing conditions - whether injury, illness, disease, or other condition Full benefits to age 60 a temporary claim arising at age 59, for example, would run to age 61 No reductions in cover at age 55 we provide full protection against accident AND illness right up to age 60 Includes degenerative diseases Preferential terms for new pilots Monthly premium payment option How to apply Click here to make an application. Call Monday-Friday 09:00-17:30 (CET/CEST) Provides disability benefit after just 14 days to bridge the income gap between being unable to work and receiving your monthly Temporary Loss of Licence benefit Covers you for up to 60% of your certified gross monthly income Monthly benefit paid for 90 days - inclusive of the deferred period Long-term disability Provides a monthly disability benefit of maximum 60% of your salary for 20 years, or up to age 60, once your loss of licence cover ends. Benefit period inclusive of Loss of Licence or Permanent Total Disability benefits Own occupation 5

6 Pilot income protection Protect yourself financially against an accident or an illness which prevents you doing your job as a pilot - whether the accident or illness occurs at work or outside of work. Temporary and permanent total disability benefits are payable regardless of your ability to carry out any other occupation, in the aviation or any other field. Features and benefits at a glance Temporary Total Disability Provides a monthly income equivalent to 75% of salary payable for 24 months to assist with expenses such as your mortgage, bills, investments, and other commitments Benefit paid for up to 24 months Deferred period 90 days add optional short-term disability cover to receive benefit after just 14 days Permanent Total Disability Lump sum equivalent to 3 times annual salary Paid out when there is little prospect of an improvement in condition OPTIONAL EXTRA COVER Short-term disability Provides disability benefit after just 14 days to bridge the income gap between being unable to work and receiving your monthly Temporary Total Disability benefit. Covers you for up to 60% of your certified gross monthly income Monthly benefit paid for 90 days - inclusive of the deferred period Own occupation definition Benefits payable regardless of your ability to carry out any other occupation in the aviation field or another profession How to apply Click here to make an application. Call Monday-Friday 09:00-17:30 (CET/CEST) 6

7 What pilots say about the products Get a quote Click here to get an instant quote - without obligation Loss of Licence No exclusions for pre-existing conditions is a real plus. My policy doesn t include this. It s good to see full cover for mental illness in the policy I like the optional long-term disability cover if you want to extend the period you are covered for. Being able to pay my premium on a monthly basis is a great relief and makes budgeting easier. Income protection Knowing that I can claim whether I have an accident at work or outside of work is good to know. It s good to see own occupation stated in the cover. I know a pilot who couldn t claim because of clauses relating to this. As a newly qualified pilot with a loan to repay this gives me peace of mind. Claims service Experienced professionals will support you if you need to make a claim and help you with the paperwork. The information in this brochure is a brief description of the important features of the plans. Please read the full terms and conditions for the policies which include any exclusions and limitations. 7

8 Why choose us? We have specialised in giving independent financial advice to expatriates and people who work abroad for over 30 years. Through our relationships with specialist worldwide providers, we are able to offer comprehensive, competitive solutions to our clients including commercial pilots. Loss of licence and pilot income protection is provided by Global Benefits Europe B.V. - international employee benefit specialists and part of the Global Benefits Group. The underwriters are AAA rated. Professional Investment Consultants is authorised and regulated as brokers by the Commissariat Aux Assurance (CAA) in Luxembourg. Global Benefits Europe B.V. is authorised and regulated in Holland by AFM, the independent supervisory authority for the savings, lending, investment and markets. 8

9 Independent financial planning advice, wealth protection and wealth management for expatriates and people working abroad Investments and investment management Regular savings Retirement planning Pension transfers Insurance including life, health, and disability Tax and trusts advice Education fees planning Property financing, mortgages Corporate services for international companies and organisations Headquartered in Luxembourg, we are authorised and regulated by the Commissariat Aux Assurance (CAA). Our CAA Luxembourg registration number is 1999CM009. We are fully regulated to offer our services in all EU member states under the Freedom of Services Act and have established branches under the Freedom of Establishment Act in: Belgium: Financial Services & Markets Authority; FSMA registration number 1999CM009 Portugal: Instituto de Seguros de Portugal; ISP registration number 1999CP012 United Kingdom: Financial Conduct Authority; FCA registration number None of the information, whether in part or full, should be copied, reproduced or redistributed in any form nor should it be regarded as an offer or a solicitation of an offer for investment. You should satisfy yourself, with your financial advisor, that the products and services offered are suitable for you and that you are not prevented from accessing such services or products by restrictions placed on you by the relevant fiscal authorities in your normal place of residence nor that it is unlawful for you to participate in such products or services as may be stipulated within the laws of the country, state or jurisdiction where you may either be a citizen or normally reside. 9

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