For financial advisers only

With the protection knowledge and expertise to help you get the right cover in place for your clients as quickly and easily as possible, we have exactly what you need for protection. 

We’ve won the Best Protection Service award at the Investment Life & Pensions Moneyfacts Awards for the past five years

defaqto expert rated five star award for protection menu plan 2022

Our protection menu has been given a 5 Star Rating by Defaqto, demonstrating that it provides one of the highest quality offerings on the market.



Income replacement options

Your clients’ income helps them maintain their lifestyle. We offer a suite of income replacement options, including income protection (available for two years or to the benefit end date) and a range of family income benefits.

Our personal income protection now includes up to £2,200 fracture cover with no deferred period, at no additional cost. It also includes our income promise, a lump sum death payment, as well as rehabilitation and proportionate benefits to help your clients return to work.

Find out more Find out more on personal income protection

We also offer portable executive income protection and key person income protection.


Listen to our latest protection podcast

In our latest protection podcast, we discuss where income replacement solutions fit into the overall protection conversation, and whether more people are seeing the benefit of these. 

Listen now Listen now

Brian's story

Use this video with your clients, showing how Brian's income protection helped him after his serious accident. This can help you highlight the importance of having protection cover in place.

The following video is about Exactly what you need for protection – Brian’s story and has a transcript (see below).

Immediate cover facility for Business Protection and Relevant Life

Our immediate cover facility is available for both life protection and critical illness benefits to help your clients get cover in place quickly. This offers full cover – not accidental death benefit – while we request any necessary medical evidence.

  • For policies containing only life protection benefits, we can offer up to 180 days’ immediate cover.
  • For policies containing critical illness cover and/or total permanent disability benefit, we can offer up to 90 days’ cover.
Find out more Find out more on cover facility

Improved underwriting limits

We’ve also reviewed our medical underwriting limits to make sure they remain competitive. Additionally we've improved our financial underwriting limits for income protection: 

  • We no longer routinely require financial evidence for employed customers.
  • We've increased the limit where we'll routinely request financial evidence for self-employed customers.
  • We no longer routinely need any evidence of earnings for executive income protection.
Find out more Find out more on underwriting limits

More than just financial support

Your clients have access to Policy Plus, our range of support services, from the start of their policy at no extra cost. This includes:

lady wearing a headset sitting at a computer talking to another person
  • A 24/7 health and wellbeing service
  • A second medical opinion service
  • A key person replacement service (for Business Protection and Relevant Life customers)
  • Funeral payment pledge
Find out more Find out more on policy plus