British based protection provider, Pioneer, has improved its professional income protection plan (PIP).
The plan will be targeting only professionals and those in low risk occupations with policy benefits . According to Pioneer, the changes reflect the companys commitment to develop, simple, transparent and saleable income protection plans . The maximum benefit will be increased from 40 per cent to 50 per cent with an option that will enable customers to choose between financial underwriting on acceptance or at the point of claim.
Policyholders will also be able to fix the benefit amount at the point of claim and state benefits will not be deducted from the policy. Pioneer has said that it wants to broaden its market base and in order to do so is lowering the salary level required to qualify for a policy from £26,000 to £20,800.
Additionally, the insurance option can be increased on a marriage or civil partnership, the birth of a child, or if a mortgage is increased on the primary residence.




