For intermediaries only

No-one likes to think of the worst happening - but it pays to be prepared. With our suite of protection solutions, you and your clients can find exactly what you need for protection.

Defaqto rating
  • Award-winning protection to help individuals and businesses.
  • Policy Plus - support for your clients throughout the life of their policy.
  • Protection specialists with the expertise to help you build bespoke solutions for your clients.

New discretionary trust

Say hello to our new Discretionary trust for use with Personal Protection and/or Whole of Life policies.

  • Can be set up with electronic signatures regardless of whether you're placing a new policy, or assigning an existing policy, into trust.
  • Making it quicker and easier for you to place your clients' protection policies in trust.
  • It's a split trust that lets your clients gift any life protection or terminal illness benefits, while retaining the right to the claim payments from any critical illness cover, income protection and associated benefits.
  • The trust contains a survivorship clause, which applies to joint-life first death policies, letting the surviving insured person receive the claim payments if they survive for 30 days after the other insured person dies.

Find out more, including how to set up the trust, in Your guide to our discretionary trust.

Flexible income protection solutions

Affordable cover with a choice of benefit payment periods for both personal and executive income protection - either two years or full term to the benefit end date.

Personal income protection

  • Provides breathing space for clients while they're unable to work.
  • With an income promise to help protect clients against a drop in their income.
  • And a lump sum death payment if your client dies while we're paying their monthly benefit - helping to ease any financial strain.

For more information read our Personal income protection at a glance

Executive income protection

  • Insure the taxable earned income of your clients' valuable employees.
  • Combine with Relevant Life in a single online application, helping your clients offer a competitive employee benefits package.
  • Help protect the insured person's pre-retirement income, while maintaining your clients' regular employer pension contributions.

For more information read our Executive income protection at a glance

Expert rated protection menus

Defaqto rating
  • Accidental death benefit available with all benefits across our Personal and Business Protection menus (except gift inter vivos, key person income protection and executive income protection) - making sure your clients are covered from the very start of their policy.
  • 5 Star Rated critical illness cover - with strengthened critical illness definitions to help us pay more claims.
  • Flexibility built in - with a joint-life separation option, life replacement option and a wide range of guaranteed insurability options with our Personal Protection.
  • An immediate cover facility and business-specific guaranteed insurability options are available with our Business Protection.

Download our at-a-glance guides for a summary of our Personal Protection menu and Business Protection menu.