Insurance Products Explained

Which protection products do you offer?

Flexible, simple and comprehensive, the flexible-finance protection range offers good value protection insurance for Life, Critical Illness, Income protection, Sickness protection, Unemplyment, Buildings and Contents, backed by great service. Below is a typical list of features that we would expect to include in a policy. This is an example only and we do not guarantee ALL features will be included in your policy.

Critical Illness Protection

• free instant cover for many clients whilst we process the application
• lump sum or income
• own occupation or working tasks
• Total Permanent Disability is automatically included
• free children's cover up to £25,000
• only 1 exclusion - self-inflicted injury
• stand alone cover or accelerated with life cover
• reviewable rates (first review after 5 years, then every year)
• 14 day survival period (unless taken with life cover)
• cover can be taken out on a level, decreasing or increasing basis
• access to independent helplines giving free advice on a wide range of issues
• cover for 31 illnesses
  
  

Life Cover for Family or Mortgage

• free instant cover for many clients whilst we process the application
• guaranteed rates
• full term terminal illness cover - no exclusion in the last year
• lump sum or income
• increasing, level or decreasing cover
• bereavement counselling and access to a range of support and advice.

Income Cover for Sickness

• free instant cover for many clients whilst we process the application (working tasks definition only)
• guaranteed rates
• generous cover limits - £6,250 a month for those working, £1,000 for those not working (subject to a maximum of 55% of pre-tax earnings)
• choice of 4 deferred periods - 4, 13, 26 and 52 weeks
• automatically includes payment protection (Payment Cover for Sickness)
• no deduction of state benefits or other insurance waiver premiums from claim payments
• increasing cover available
• claims can be paid for 1 or 2 years or until the end of the term
• built-in Care Cover Option giving your clients the opportunity to convert their cover, when it ends, to a long-term care type cover
• help with rehabilitation and recovery - before and after we pay a claim
• access to independent helplines giving free advice on a wide range of issues
  
  

Income Cover for Unemployment

• clients can protect up to 55% of their income, not just their mortgage payments
• can be combined with 'Income Cover for Sickness' for comprehensive income protection
• automatically includes payment protection (Payment Cover for Unemployment)
• standard 4 week deferred period
• any claims are backdated to the date of unemployment
• increasing cover available
• claims can be paid for 1 or 2 years
• access to independent helplines giving free advice on a wide range of issues, including unemployment counselling, CV and interview advice.

Building and Contents Cover

Instant Online Household Quotes click here!