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

This pays out a lump sum or income if you are diagnosed with a critical illness. Most critical illness policies will cover cancer, strokes and heart attacks, and most will cover many other conditions as well.

• 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

If you die unexpectedly this provides some financial security for people who depend on you. There two main types of Life Assurance. Term insurance and Whole of Life insurance.

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

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

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