Short Term Income Replacement (STIR) & Home Guard from DMS
Designed specially for Employed people
Is your client Self-Employed or a Controlling Director? – Click Here
If your Client requires cover up to 125% of their monthly expenses, they need Home Guard. If your Client requires cover of more than 125% of their monthly expenses, up to 65% of their gross income and a maximum of £2500, they need Short Term Income Replacement (STIR). Our Quote & Buy system automatically chooses the correct product for your Client.
Tailor the cover to your Clients personal requirements:
Choice 1
Injury & Illness only, Involuntary Redundancy only, or Injury Illness & Involuntary Redundancy.
Choice 2
Monthly Benefit payable for up to 6 or 12 months.
Choice 3
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.
Choice 4
Add Hospitalisation Benefit to Injury & Illness cover and add Carer cover and DMS Free Employment Lawyer for You to Involuntary Redundancy, by upgrading from STIR/Home Guard Value to STIR/Home Guard Plus.
Simplified Claims Procedure
Old Fashioned ASU/STIP policies based claims payments on the income and expenses at the time of the claim. However DMS STIR Value and DMS STIR Plus allow clients to pre-validate expenses at the time of application. The applicant provides bank statements from either their personal account, their partner’s/spouses account (or any mix of these) preferably at the time of application, or any time during the life of the policy and then, if a claim is made, no further enquiries are made about income or expenses.
One Policy Rarely Fits all… BUT…
DMS STIR and DMS Home Guard offers Mortgage Payment Protection, Rent Payment Protection, Bill Payment Protection or Income Protection, whichever your employed Client requires.
But we have a policy to fit YOUR Client…Lowest premiums or the most comprehensive cover, your client can have either with DMS Value or DMS Plus
Short Term Income Replacement/Home Guard VALUE
- Injury and Illness Only OR
- Involuntary RedundancyOnly OR
- Injury, Illness and Involuntary Redundancy
- Monthly Benefit payable for 6 or 12 months
- Back to day one, 30 or 60 days deferred
Short Term Income Replacement/Home Guard PLUS
- Injury, Illness and Hospitalisation Benefit Only OR
- Involuntary Redundancy Only, Carer Cover and DMS Free Lawyer For You OR
- Injury, Illness and Involuntary Redundancy, Carer Cover and DMS Free Lawyer For You
- Monthly Benefit payable for 6 or 12 months
- Back to day one, 30 or 60 days deferred
Whether your client requires inexpensive basic cover, or the best cover money can buy, you can offer them both.
Which version of our policy suits your Client best:
Economy
Value
Plus
Economy (Initial Exclusion Period 120 days, maximum cover £2,000)
Stress claims not paid unless a Consultant confirms Client is unable to work
Back claims not paid unless a Consultant confirms Client is unable to work
Value (Initial Exclusion Period 90 days, maximum cover £2,500) adds
Back claims paid for 3 months before referral to a Consultant is required
Stress claims paid for 3 months before referral to a Consultant is required
Illness or Injury claims of up to 125% of the sum of the Client’s allowable expenses are paid, even if the Client is being paid from work.
Pre-Existing Conditions lapse after 24 months with no consultation, symptoms or treatment
Plus (Initial Exclusion Period 60 days, maximum cover £2,500) adds
Hospitalisation Benefit
Carer cover
Free Employment Lawyer for you – up to £50,000 employment legal advice and support
Jury Service cover
Access Online Systems
To request access to our Full Online Quote and Buy Systems, Quick Quote and our Adviser Portal…
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Quick Quote
Our Quick Quote will allow you to quote DMS Economy ,DMS VALUE, DMS PLUS, & DMS Business Guard, 6 or 12 months cover, back to day one, 30 and 60 days deferred in seconds… Take a Test Drive »