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All Keystone policies are underwritten at Lloyd's

About Keystone

Please note that the overview of the Keystone product range provided on this page and across the website is of the most recent Keystone policy wording (MA14) which was introduced on 1st May 2018. If you bought your policy before 1st May 2018 then you should contact either the adviser who sold you your policy or MMS if you require further information.

Keystone is a Short Term Income Protection insurance policy that protects your ability to pay your monthly bills in the event of Accident, Sickness or Unemployment (ASU).

Keystone has been developed to be customer focused, easy to understand and fully flexible and portable. Just like your car or household insurance, you own your policy and can make changes to it at any time depending on your changing needs. We do, however, still recommend that you take professional advice to make sure that Keystone is the right policy for you.

Keystone can protect a wide variety of regular commitments, from mortgage and rental payments, to household bills and insurance direct debits, to gym membership, Sky TV and personal pension payments.

Cover features and benefits

  • Choice of Accident and Sickness cover and Unemployment cover
  • A monthly benefit of up to £3,000 per month or 90% of your income after tax
  • 12 months benefit period
  • 3 Excess options of day 1 cover, 30 day excess and 60 day excess
  • No job or industry sector exclusions
  • Benefit payments are payable directly to you

There are other providers of Short Term Income Protection and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at

Keystone is priced by reference to your age and the combination of options selected. As an example, a 30 year old taking ASU with a 30 Day Excess, 12 Months Benefit and covering their mortgage, will pay £4.80 per £100 of monthly benefit. The monthly cost includes Insurance Premium Tax (IPT) at the present rate.

What is not covered / excluded

Like all insurance policies there are limitations and exclusions that may apply and prevent you from making a claim. Details of these exclusions can be found in the Policy Wording, or a summary can be found in the IPID. Some examples of these exclusions include:

Self-inflicted injuries, alcohol or drug abuse;

Stress, anxiety, depression, fatigue or any other mental or nervous disorder or any condition of a psycho-neurotic origin, unless diagnosed by and under the continuing supervision of a registered Consultant Psychiatrist;

Pre-existing medical conditions. Any condition, injury, illness, disease, sickness or related condition and/or associated symptoms, whether specifically diagnosed or not, for which medical evidence shows you knew about or were experiencing symptoms that you would have been aware of in the 12 months prior to the start date of the insurance or cover increase date (whichever is the later), then that particular condition, or any claim attributable to it is excluded until you have been clear of it for a continuous 24 months period following the start date or cover increase date. Please read the Policy Wording for further details;

Any unemployment that you knew about at the start date of cover or within the initial exclusion period;

If your unemployment is temporary or voluntary, for example, if you resign or accept voluntary redundancy;

If you do not register with the Jobcentre, have a Jobseeker's agreement and are not continually available and actively looking for work.


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