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TOP cover aUtUmn 2012 13

TrusTing TO luck

It’ll never happen to me!

Written By StuArt bell
chieF execUtive at metFrienDly
‘metfriendly’ is the trading name of metropolitan police Friendly society limited

Sometimes that extends to simply assuming the
best: “perhaps my job will cover me”.
Your employer will stand by you to
begin with, but not forever. After
six months sickness, an Officer can
be placed onto half pay, and after
another six months on to no pay. With
no recovery in prospect, medical retirement will follow. A pension
may be paid but the loss of income can be great.
Financially being off work can end up being more devastating
for your family than an early death and it is more likely. At
metfriendly we provide cover that is affordable, easy to arrange, and
dovetails with the benefits of the Job. Essentially we make good most
of the shortfall in your net income. It is as close to ‘comprehensive’ cover
as you can get!
Since its launch in 1997 we have done much to improve the policy.
We have extended the cover to age 60, added lump sum benefits
including six months pay on diagnosis of critical illness (subject to
meeting threshold conditions). Generally we have offered the new
terms to existing members so that they don’t lose out.
“And the cost?” you must be asking. Well we think you may
be very pleasantly surprised by just how affordable our Income
Protection is and it’s available by a convenient deduction from your
pay (Met and City). For a premium quotation and to find out visit
our website mpfs.org.uk. We think the cover meets a real gap in
people’s needs, although we never cease to be amazed at how many
simply trust to luck ■