Short Term Income Replacement Business Guard
Designed specially for people running their own business
Tailor the cover to your Clients personal requirements:
Injury and Illness cover only or Business Closure only or both, Injury and illness and Business Closure cover.
Monthly Benefit payable for up to 6 or 12 months.
Back to day one cover payable on day 31, Deferred 30 days payable on day 61 or Deferred 60 days payable on day 91 of unemployment or being off work.
Why is DMS Business Guard unique?
Old Fashioned ASU/STIP policies for people running their own business based claims upon the income and expenses at the time of the claim. This meant that the claim benefit actually paid with old-fashioned policies was based on a greatly reduced income. DMS Business Guard bases claims on the expenses at time of application. The Applicant provides bank statements from either their business account, their personal account, their partners/spouses account (or any mix of these) within two months of the application and then… if a claim is made, no further enquiries are made about income or expenses.
The DMS benefit payment Promise
Because of our unique way of underwriting at outset, only DMS Business Guard ensures that for claims made by people running their own business, the amount of benefit paid is the amount of benefit applied for …THAT IS OUR PROMISE.
One Policy Rarely Fits all…BUT…
DMS Business Guard is one policy that offers Mortgage Payment Protection, Rent Payment Protection, Bill Payment Protection or Income Protection, whichever your Self-Employed or Controlling Director Client requires.