Insurance Products .
Flexible, simple
and comprehensive, the flexible-finance protection range
offers good value protection insurance, 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 Life Income
for Sickness or Unemployment Buildings
and Contents
-
Life
Cover
-
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
-
can be combined with 'contents' for
comprehensive protection
-
automatically includes accidental
damage cover.
-
no claims discounts up to five years.
-
personal possession cover
-
increased cover available.
We aim to search the market to beat your existing insurance
premiums however cost savings are not guaranteed.
