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  Life Insurance+

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Cover that helps to meet your client's needs

Our Life Insurance+ policy offers a choice of life cover or life and critical illness cover.

Both types of cover include a range of benefits and terminal illness cover as standard. At an extra cost the option to upgrade critical illness cover and optional extras such as global treatment and fracture cover mean Life Insurance+ can be tailored to a broad range of clients.

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Key information


You can call our protection sales and support team on:

 0800 056 2181

Open Monday-Friday, 9am-5pm. Calls may be monitored and recorded. 




Why choose Life Insurance+ for your clients?

Our Products

Take a look at our customer guide to protection

Find out more

Our Life Insurance+ policy provides life cover with the added flexibility of being able to add critical illness cover.

You can tailor your client's critical illness cover according to their needs and budget - by choosing from a range of options and benefits which have all been designed to deliver quality cover.

At an extra cost your client can upgrade their critical illness cover so they have some financial protection against even more critical illnesses. By upgrading, they can add extra benefits to their cover, their children's cover or both.

Cover that goes above and beyond

As well as the range of benefits covered as standard under our policy, Life Insurance+ also offers the option to add further cover at an additional cost should your client need it.

Global treatment


global treatment photo

 Global treatment makes overseas treatment and access to an expert second medical opinion possible at a time when your client will want to explore all the options.

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Fracture cover


fracture cover photo

Fracture cover pays a one-off sum if your client suffers from one of 18 specified fractures during a 12 month period.


Find out more

 

Extra care cover


extra care cover photo

Extra care cover is there to add an even higher level of protection for your clients. It provides an additional fixed payment of £50,000 for conditions that are likely to worsen over time and may require further care needs.

Find out more

 

shieldMore choice


The ability to select the following allows you to tailor cover to your individual client's needs: 

  • Life cover or life and critical illness cover
  • The cover amount and the policy term
  • Level, decreasing or family income cover
  • Waiver of premium, conversion and renewal options
  • Increasing cover - our answer to indexation

shieldBenefits included as standard


Life Insurance+ comes with a wide range of benefits available at no extra cost:

  • House purchase cover
  • Life change and separation benefits
  • Additional critical illness benefit (available with life and critical illness cover only)
  • Children's benefit (available with life and critical illness cover only)

shieldUpgrade for even more cover


At an additional cost customise cover with our upgrade options:

  • Upgraded critical illness benefit covers further full payment conditions,additional critical illness conditions and hospital benefit.
  • Upgraded children's benefit covers an additional 11 children's critical illness conditions, up to £50,000 for 12 conditions under children's extra care cover and advanced illness.

shieldAdditional benefits


We offer a range of cover options at an additional cost:

  • Global treatment
  • Extra care cover
  • Fracture cover

Here are some of the things you need to know about our Life Insurance+ policy:

Cover types

Cover type

Detail

Level cover

  • Pays the cover amount as a lump sum if your client makes a successful claim.
  • The cover amount stays the same throughout the policy term.

Decreasing cover

  • Pays the cover amount as a lump sum if your client makes a successful claim.
  • The cover amount decreases each month broadly in line with the amount outstanding on a repayment loan, such as a capital and interest mortgage, using a fixed interest rate selected at the start of the policy.
  • Rates are available from 4% to 15%.

Family income cover

  • Pays the cover amount as monthly instalments if your client makes a successful claim.
  • The monthly instalment amount stays the same throughout the policy term and is payable from the date we accept a claim until the policy end date.
  • Your client can choose to take the monthly payments as a reduced lump sum at any point following a claim.

Limits


Criteria

Min/max  Detail

Notes

Life cover

Max age at entry

77

  • Pays out on death or terminal illness.
  • The plan must end before your client's 91st birthday.

Life & critical illness cover

Max age at entry

64

  • Pays out on death, terminal illness or critical illness.
  • For guaranteed premiums, the policy must end before your client's 76th birthday.
  • For reviewable premiums, the policy must end before their 91st birthday.

Term

Min term

1 year

  • 5 years if your client chooses the conversion, renewal or increasing cover options.
  • 6 years for life and critical illness with reviewable premiums.

Max term

50 years

  • Subject to the maximum ages which apply at the time.

Payment limits

Min premium

£5 a month 

  • Premiums must be paid by direct debit.

Cover limits

Max cover amount

 -
  • No maximum for life cover only.
  • £3,000,000 for life and critical illness cover.
  • £2,000,000 for total permanent disability with life and critical illness cover.

Options

Option Maximum Detail Notes

 

Conversion option Max age at entry 64
  • Your client can convert their policy to a whole of life policy without answering any further medical questions.
  • Your client must convert their policy before age 71.
  • Available at an extra cost on level life cover.
  • This option is not available with life and critical illness cover or the increasing option.

Extra care cover

Max age at entry 64
  • Extra care cover can provide £50,000 if your client is diagnosed with a condition that results in severe and permanent symptoms.
  • It's available at an extra cost with life and critical illness cover.

Fracture cover

 Max age at entry 59
  • Pays up to £6,000 if your client suffers from one of 18 specified fractures.
  • Fracture cover is available for  an additional premium 
  • The benefit will be removed from the policy when a life covered reaches age 70.

Global treatment

 Max age at entry 64
  • Cover renews every 3 years and is available for £4 a month.

  • The benefit will be removed from the policy when a life covered reaches age 84.

Increasing cover Max age at entry 64
  • The cover amount will increase each year in line with RPI (available with level cover) or by a fixed percentage of 3 or 5% (available with level cover and family income cover). If the cover increases so will the premium. The increase automatically happens on an annual basis. 
  • If the RPI does not increase, or your client chooses not to accept the increase then their cover amount and premium will remain the same. 
  • Please note that in the event of an increase the premium will increase at a higher percentage rate than the cover amount. The maximum the cover amount can increase by is 10% and the premium could increase by a maximum of 15%. 
  • Not available with decreasing cover.
 Renewal option

 Max age at entry (Life only)

Max age at entry (Life and CI)

64

 

59

 

  • Your client can take out a new policy without providing more health information when their original policy ends.
  • The new policy must end before their 71st birthday.
  • Not available if your client has life and critical illness cover with reviewable premiums, or the increasing cover option.
  • Available at an extra cost.
Total permanent disability  Max age at entry 64
  • Pays the cover amount if the life covered suffers an illness or injury that means they meet either our own occupation or activities of daily work definition.
  • Available at an extra cost with life and critical illness cover.
  • This benefit will cease when the eldest life reaches age 71, but the policy will continue.
 Waiver of premium  Max age at entry 64
  • We will waive your client's premiums if they are unable to work due to accident or injury.
  • Your client can choose a deferred period of one, three or six months.
  • This benefit is available at an extra cost.
  • This benefit will cease when the eldest life reaches age 71, but the policy will continue.
     

Critical illness cover

Features

Detail

Life & critical illness cover

If you select life and critical illness cover your clients will be covered for;

  • Full payment conditions.
  • Additional critical illness conditions payable at £25,000 or 25% of the cover amount.
  • Children's benefit.

Upgraded critical illness benefit

Your client can choose to upgrade their critical illness at an extra cost

They will also be covered for;

  • Further full payment conditions.
  • A greater number of additional critical illness conditions with an enhanced payout of £25,000.
  • Hospital benefit - if one of the lives covered needs to spend more than seven days in hospital we will pay £100 a night from the eighth night onwards up to a maximum of £3,000 per life covered. 

Children's benefit

Features

Detail

Children's benefit

  • If your client chooses life and critical illness cover they will also automatically receive our children's benefit at no extra cost.
  • Children's benefit covers children of the client from the age of 30 days up to their 18th birthday, or 21st birthday if in full time education.
  • Each element of children's benefit is payable once for each child.

It's made up of;
Children's critical illness
We'll pay 50% of the cover amount up to a maximum of £25,000 if one of the life covered's children is diagnosed with a critical illness that we cover.

Children are covered for the same conditions covered under life and critical illness cover however, terminal illness is excluded. 

Children's hospital benefit
If one of your client's children need to spend more than seven days in hospital we will pay £100 a night from the eighth night onwards up to a maximum of £3,000 per child.

Children's death benefit
If a child dies, we will pay £5,000.

Upgraded children's benefit

  • Your clients can choose to upgrade their children's cover at an extra cost.
  • With upgraded children's benefit, children are covered from birth to their 22nd birthday.

It's made up of;
Upgraded children's critical illness
We'll pay an enhanced payment of £25,000 if one of the life covered's children is diagnosed with a critical illness that we cover.

Children are covered for the conditions included under life and critical illness cover however, terminal illness is excluded. They are also covered for an additional 11 critical illnesses including cystic fibrosis and Down's syndrome.

Children's extra care cover
We'll pay up to £50,000 if a child is diagnosed with one of 12 children's extra care cover conditions.

Advanced illness
We'll pay £10,000 if a child is diagnosed with an advanced or rapidly progressing illness that meets our definition.

Children's hospital benefit
If one of your client's children need to spend more than seven days in hospital we will pay £100 a night from the eighth night onwards up to a maximum of £3,000 per child.

Children's death benefit
If a child dies, we will pay £5,000. For this benefit children are covered from 24 weeks of pregnancy to their 22nd birthday. 
















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Family together

Looking after your client and their family

When you recommend one of our personal protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters. Of course, this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

We’re proud of the services we offer, helping your clients to live more healthily, caring for them through illness and injury and being there to support them and their family in the event of bereavement. For more information on any of the services listed and what's included with your clients' policy, please read our Support Services Leaflet.

Please be aware that all of the support services are provided by 3rd parties, non-contractual, and we can remove them at anytime.

Being there when it matters most

Mother and child

If your clients need to claim, we’ll do all we can to reduce their stress and anxiety at what is an incredibly difficult time. From help with filling out paperwork to answering questions about funeral arrangements, we’ll be there for your clients, and their families, when they need us most.

To make a claim, they can call the team on:

 0800 015 1142

Or, if they can’t face talking about what’s happened, they can get the process started online instead. Our dedicated claims website includes a form your client can fill in to tell us they need to make a claim.

Protection planning

Our protection articles can help support your financial planning process and offer the opportunity to earn CPD hours.

Claims information

If your client needs to make a claim, you can feel confident that we'll get things right for them at a difficult time.

Tools & calculators

Access a wide range of handy tools and calculators, designed to help both you and your clients.

Contact us

You can find contact details for each product area in the drop-down list:

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WA02241 08/2020