You can add value to your Life policy with our optional Disability cover:

• 1Life Disablement offers you a choice between cover for:

Disablement which leaves you medically unfit to work at your own or suited occupation

• Occupation-based Disablement
  • pays a cash amount if you become permanently and totally disabled and cannot do your normal job or other work to which you are suited;
    
    
  • is a stand-alone benefit - so if this amount is paid out, your other life cover will not be affected;
    
    
  • is a level sum assured up to 5 years before you turn 65 or retire;
    
    
  • covers you immediately for disablement;
    
    
  • includes the option to increase your cover amount when your circumstances change.
    
    
• Cover for events that result in a disability.
  
  
• Event-based Disablement
  • pays out a percentage of your cover amount depending on the kind of disability you suffer e.g. if you go blind or lose an eye, you get 50 % of the amount, but if you become permanently blind in both eyes, a 100 % will be paid out;
    
    
  • is a stand-alone benefit - so if this amount is paid out your other cover amounts will not be affected;
    
    
  • covers you immediately for accidental disablement;
    
    
  • includes the option to increase your cover amount when your circumstances change.