Income Protection. The Income Protection Market - Opportunity? Karen Gallagher Business Development Manager
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- Nickolas Hutchinson
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1 Karen Gallagher Business Development Manager The Market - Opportunity? Only 12% to 15% of the working population have cover Majority of people in Ireland are still in employment Current consumer sentiment - fear factor Disability on the rise in Ireland Changes in State Illness Benefit criteria Brokers have increased their IP business this year 1
2 THE NEED FOR INCOME PROTECTION Worker s confusion over sick pay 30% of workers believe their employer will provide sick pay indefinitely 2
3 Over- optimism re: State Benefit 25% believe they could survive on the State benefit Married with 2 Dependants: Self Employed: 19k NIL p.a. Income is largest asset for most Total Earnings to Retirement 3.5m 2.8m 1.8m Age 30 Age 40 Age 50 Note Based on annual salary today of 70k Inflation of 2% per annum Retiring age 65 3
4 Sold as Just Another Insurance INCOME Mortgage(s) Pension Life Cover Savings But is it the Most Important? Bills Mortgage Car Sports & Social YOUR INCOME Pension Children Holidays Investment Loans 4
5 THE PRODUCT - Product Policy that pays you an income if you re out of work for more than 13, 26, or 52 weeks Continues payment until return to work or retirement age If you can t do your own occupation Any illness, accident or injury Premiums can be guaranteed Full tax relief on premiums at marginal rate Hospital Cash after 8th day 5
6 Peace of mind. Guaranteed premiums Waiver of premium Help to get back to work if you need it Rehabilitation Benefit Proportionate Benefit Linked Claims Health Claims Service Ability to increase your level of cover by up to 30% every 3 years - Guaranteed Increase Option Changing Occupation Benefit Limits 75% of income, less single person s state illness benefit amount ( 10,192 per annum) to a max of 175,000 Max Benefit Calculation 75% of first 125,000 plus 33% of balance to maximum of 175,000 less state single person disability benefit less any continuing income 6
7 Premium depends on. Guaranteed Reviewable - 5th anniversary & every 5th after that - Level or Indexing options - Occupational Class e.g. 1 Office worker 2 Salesperson driving 3 Nurse 4 Carpenter Length of deferred period - 13, 26 or 52 weeks Ceasing age - 55, 60 or 65 Value of cover Male Age 36 n.b, to age 65, Class 1, Deferred Period 26 weeks, premium and benefit escalation Benefit: 62,400 p.a. ( 1,200 p.w.) Gross premium p.m. Net premium p.m. Total Cover: 3,948,419 7
8 Position the cover Deluxe cover - not everyone can get it Depends on your occupation, health history Position this with your client Manage your client s expectations Underwriting Payout in 90% of claims so underwriting is essential at the start of the process Get as much information from the client as possible Use point of sale questionnaires for known conditions Be aware of the underwriting limits and prepare your client for the medical requirements Handle exclusions and ratings up front Get comfortable with the underwriting process 8
9 What are the chances. We paid out over 18m in claims in 2008 Our average claim period is 5½ years Statistically you have a 1 in 6 chance of being out of work for more than 6 months during your working life You are 3 times more likely to suffer a disability than die during your working life - have you life cover? Where s the opportunity? Life cover reviews Mortgages - FTB s, RIPs Health Insurance link General insurance Pension clients 9
10 Why so few have Income Protection? One reason: myths and misperceptions about disability Its not going to happen to me If it does it, won t last long My employer will take care of me I think? It s expensive and won t pay anyway I ll sell my assets and that will keep me going Asset Protection 500, ,000 With IP 300, , , ,000 Without IP
11 5 Questions everyone should ask.. 1 What are my necessary monthly living expenses that would continue if my income stopped e.g. mortgage, utilities, food, medical insurance etc. 2 Would my personal savings pay for my necessary monthly expenses - for one month, three months, six months, longer? Have a plan in place for disability 3 How long would my assets last if they were funding my day to day living expenses? 4 What state benefit I m I entitled to? 5 Does my employer have a sick pay plan or long-term disability cover, how long does it pay for? 11
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Karen Gallagher Business Development Manager THE NEED FOR INCOME PROTECTION Worker s confusion over sick pay 30% of workers believe their employer will provide sick pay indefinitely Over- optimism re:
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