Vitality members aged between 30 and 50 accounted for the majority of Income Protection Cover claims. Breakdown of Income Protection Cover claims by age 40% 30% 20% 10% 0% 30 - 39 40 - 49 60+ Under 30 50 - 59 We paid out claims for an array of occupations, from lower risk office-based roles, to higher risk roles in less safe environments. Most claimed upon occupations 21% 15% 15% 11% 8% Office workers Tradesman Managers / Directors Medical professions Financial advisers Declined Income Protection Cover claims in 2020 Income Protection Cover will pay out when illness or injury means you’re unable to fulfil your occupation and you’ve suffered a material loss of income. Declined Income Protection Cover claims in 2020 Income Protection Cover will pay out when illness or injury means you’re unable to fulfil your occupation and you’ve suffered a material loss of income. Did not meet definition The most common reason for declining a claim occurred when a member was unable to perform their duties at work but they had not suffered a loss of income. Non-disclosure Another main reason for a declined claim is non-disclosure. As always it’s important that information is answered honestly and correctly on an application. Paid Declined due to non-disclosure Did not meet definition Other 96.8% 0.3% 0.8% 2% Income Protection Cover claims paid versus declined in 2020.