Guides & analysis

Articles

Long-form explainers and cost breakdowns, refreshed as rules change.

Employer Plan Guide

Group LTD with buy-up option: replaces 60–70% with buy-up, definition = follows base contract, portable = no.

Plan type Group LTD with buy-up optionIncome replaced 60–70% with buy-upPortable No

Employer Plan Guide

Executive carve-out individual policy: replaces individual layer on top, definition = own-occupation, portable = yes.

Plan type Executive carve-out individual policyIncome replaced Individual layer on topPortable Yes