Don't let an illness become critical. Underwritten and administered by LTU, our Income Protection Scheme helps members cope with the financial pressures of being off work because of long term sickness or disability.

It provides certainty at a time when family finances could be put under serious strain. Most insurances of this type tend to be general. This means that the claims records of people as diverse as construction workers, drivers and bank staff are pooled together. With bank employees normally being a good risk when it comes to long term sickness, the premiums you pay will be higher than they should be.

Not with LTU, it's our scheme for our members and the benefits are passed on to you.

The scheme offers 65% of normal salary for up to 5 years and you can buy exactly the level of cover you need (subject to a minimum of £300 a month). You can choose the type of cover you want, starting with a deferral period of 3, 6 or 9 months during which benefits under the plan will not be paid. Depending on the deferral period, the monthly cost could be as low as 40p for £100 of cover.

To discuss the type of cover most appropriate to you call the Bedford office on 01234 262868 or email us at 24hours@ltu.co.uk. Or you can apply online now at www.ltu.co.uk/ltuonline/login.php.