Income Protection

Updated policy wordings

We’ve enhanced our Income Protection covers to help you get back on your feet even faster.

As highlighted in the insert you received from us with your Welcome Pack, we’ve made some enhancements to our Platinum Plus, Platinum Plus Level Term and Mortgage Protector income protection covers, which come into effect for new policies issued from 14 March 2018.



Total Disability Benefit and Partial Disability Benefit

We’ve removed the requirement that the insured person must be totally disabled for the first 14 days of their waiting period.

This means the waiting period will now start from the date the insured person receives proper medical advice from a medical practitioner that they are unable to work due to total disability or need to reduce their hours of work due to a partial disability.


Total Disability Benefit

We’ll now pay the Total Disability Benefit fully in advance. This means that if the insured person meets the requirements for a claim, we will pay 100% of their eligible benefit at the end of their waiting period and will continue to pay in advance while they remain totally disabled.

These enhancements mean your policy wording is now slightly different to the version enclosed in your Welcome Pack.


What do you need to do?

The enhancements will be applied to your cover automatically, at no extra cost. Your Schedule shows the covers which apply to your policy. Updated policy wordings for each cover can be viewed by clicking on the links below. We recommend you print a copy of your updated policy wordings and keep them with your policy documents for future reference.


Updated policy wordings 


Find out more

To find out more about Fidelity Life Income Protection please click here

If you have any questions, please contact your financial adviser.

If you don’t have a financial adviser give us a call on 0800 88 22 88 (international +64 9 373 4914) or click here


Why Choose Fidelity Life

*Fidelity Life has an A- (Excellent) financial strength rating from A.M. Best. The rating scale is available for review at our offices. Click here for more information.

Disclaimer – the information contained in this document is a convenient summary of the key points and is general in nature. Definitions, benefits, standard exclusions/limitations, terms and conditions are contained in the full policy documentation. Please refer to current policy wordings for specific details.