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Protection Calculator

DMS OPTIONS Plan: Mortgage / Income Protection Insurance:

 Policy Terms and Conditions                           

Policy Number 50935 ( Policy Options: 'Accident & Sickness', Accident, 'Sickness & Redundancy', or 'Redundancy' Only Cover)

Policy Number 50940 (Age Related 'Income Protection': Accident, Sickness & Redundancy Cover as a combined benefit policy)

  We provide discounted rates for DMS policies, by reducing our commission payments so you get more competitive insurance.

Arranged by DMS Agency Services Ltd, trading as DMS Security Plans, with UK Underwriting Limited on behalf of Ageas Insurance Ltd,

  DMS Agency Services Ltd, Ageas Insurance Ltd (formally known as Fortis), UK Underwriting Limited, and Independent Financial Services (GB) are authorised and regulated by the Financial Services Authority.

You have a 30 day 'cooling off period'. If the cover does not meet Your needs, please contact the Administrator telling them that You no longer require cover. You have time to change your mind, and there is no heavy pressure to commit. You should do so within 30 days of cover starting or receipt of policy documents.  DMS will return any premiums You have paid in full within 30 days of receiving Your cancellation notice and cancel the insurance.  Your notice of cancellation takes effect on the day You send the notice of cancellation to DMS Agency Services Ltd .  If You do not exercise the option to cancel within 30 days of cover starting then the Policy can only be cancelled in accordance to the full policy conditions.

Should You wish to cancel, to discuss any aspect of the cover, for queries on Direct Debits, or to request a claim form, please contact the Administrator DMS Security Plans.  For advice on the suitability of this product for You, please contact Your Financial Adviser.  If You do not have a Financial Adviser the Administrator will upon request supply You with details of several in Your locality.  Contact details for the Administrator are shown at the end of this document.

  You have applied for Mortgage Payment Protection and/or Income Protection Insurance.  In return for the appropriate Premiums, this Policy will insure You against the risks set in the policy conditions.  Your Proposal and Certificate are part of this Policy.  Your Certificate will set out the exact terms of the cover granted.