Personal Protection

For financial advisers only

Don’t let unexpected eventualities hit your clients, their families, or their lifestyle. Our Personal Protection menu can help them maintain their family finances as best as possible if they become critically ill, unable to work due to accident or illness, or die.

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Our Personal Protection menu

Our menu of options lets you shape your clients' cover to meet their individual needs.

  • A choice of lump-sum and family income benefits, including life protection1, critical illness protection1, and life with critical illness protection1.
  • A wide range of solutions to cover inheritance tax liabilities including gift inter vivos cover and joint-life second death cover to age 90.
  • Income protection on an own occupation basis to suit your clients' needs - either with a 2-year benefit payment period or full term to the benefit end date.
  • Our income protection automatically includes our income promise, fracture cover and a £5,000 lump sum death payment if your client dies while we're paying a claim.
  • A multi-benefit and/or multi-policy discount that increases with the number of benefits your clients take out in one application.
  • Flexibility built in, with a joint-life separation option, a life replacement option for joint-life first death benefits and a range of guaranteed insurability options.
  • Up to £300,000 accidental death benefit automatically included for 90 days with all benefits, except gift inter vivos.
  • Access to Policy Plus - our range of support services available at no additional cost, whenever your clients or their immediate family needs them.

1Lump-sum benefits are also available on a reducing basis.

You can see what additional options are available for each of our main benefits in our Personal Protection at a glance.

Underwriting and claims expertise

Our dedicated underwriters are experts in their field, so we can make sure that the most complex scenarios, including applications for large sums insured, are covered.

We paid over £139 million in claims, helping 1,693 families and businesses in 2021.

We've signed up to the Protection Distributors Group's Claims Charter and Funeral Pledge.

Explore our faster, smarter online service

Our online service offers:

  • Quicker underwriting decisions
  • Estimated prices as you progress through an application – letting you quickly see the impact of client disclosures, helping you manage cost expectations from the start
  • A seamless experience across all devices and browsers

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