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