HomeOwner Income Protection is administered by MMS and underwritten by certain underwriters at Lloyd’s. MMS does not sell HomeOwner Income Protection directly to the public. HomeOwner Income Protection is available nationally from regulated general insurance intermediaries.

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HomeOwner Income Protection is a Short Term Income Protection product suite that is entirely independent of the point of sale of credit and is available nationally from regulated general insurance intermediaries. This insurance policy will provide your customer with the ability to protect up to 60% of their gross income or £1,500 provided that they are responsible for a mortgage or named as owner of their primary residence.

From the customer’s perspective, HomeOwner Income Protection is portable, fully flexible and covers the most important financial obligations for which protection is critical in the event of their inability to work through Accident, Sickness or Unemployment (ASU).

From the insurance intermediary’s perspective, HomeOwner Income Protection is compliant and easy to sell through a very simple online application process. Whilst being competitively priced, HomeOwner Income Protection also pays regular, market-level commissions which build valued revenue to your business. HomeOwner Income Protection is administered by Marketing & Management Services Ltd, trading as MMS, and is underwritten by certain underwriters at Lloyd’s.

If your customers suffered an accident, sickness or unemployment (ASU) how would they get by?

Cover features and benefits

What is not covered / excluded

Like all insurance policies there are limitations and exclusions that may apply and prevent your customers from making a claim. Details of these exclusions can be found in the Policy Wording, or a summary can be found in the IPID. Some examples of these exclusions include:

Software

The HomeOwner Income Protection product suite is straightforward, intuitive and compliant to arrange, driven by simple to use online point of sale software.

The quotation and application sequence involves minimal data input, involving just 5 screens, and customers are on risk from the point at which the ‘submit’ button is pressed (of course they have a 30 day cooling off period).

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