Personal Protection

For intermediaries 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.

Explore our faster, smarter online service

If you haven’t yet experienced our improved online service, you’ll also benefit from:

  • 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, and
  • a seamless experience across all devices and browsers.

Our Personal Protection menu

Our Personal Protection menu lets you shape your client’s cover to meet their individual needs. We offer:

  • A choice of lump-sum and family income benefits, including life protection1, critical illness protection1, and life with critical illness protection1
  • Cover for possible inheritance tax liabilities with our gift inter vivos benefit
  • Income protection, which pays a monthly income if the insured person can’t work for an extended period
  • A multi-benefit discount that increases with the number of benefits your clients take out in one application
  • Guaranteed insurability options allowing clients, in certain circumstances, to increase their level of cover without further underwriting because their circumstances have changed
  • Access to Policy Plus - our range of support services available at no additional cost, whenever your client 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 for your clients and their family flyer(Opens new window).

Underwriting and claims expertise

We offered terms to 97% of applicants in 2018, with 77% of these on standard terms.

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 £128.6 million in claims, helping 1,552 families and businesses in 2018.

Our funeral payment pledge helps families meet the funeral costs of their loved one, by paying an advanced claim payment to the funeral director or funeral home.

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