Short Term Income Replacement (STIR) & Home Guard from DMS
Designed specially for Employed people
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:
Injury & Illness only, Involuntary Redundancy only, or Injury Illness & Involuntary Redundancy.
Monthly Benefit payable for up to 6, 9, 12, 18 or 24 months.
Back to day one, 30, 60, 90, 120 or 180 days.
Select whatever your client needs: Economy, Value or Plus – see below.
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
Which version of our policy suits your Client best:
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
Free Employment Lawyer for you – up to £50,000 employment legal advice and support
Jury Service cover
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 »