What is it?

• Provides a regular benefit which can be used to cover monthly expenses.
• Suitable for family protection.

Available as:

• Term assurance only, or
• Term assurance with critical illness cover or,
• Critical illness cover only.
• Terminal illness cover included at no extra cost. Benefit is paid out on death or diagnosis of a terminal or critical illness (if chosen) during the policy term.
• At claim stage the monthly benefit can be commuted to a lump sum.
• Indexation is offered as an option for an additional cost and helps the monthly benefit keep pace with inflation.

Limitations and exclusions apply.

Consider if:

• Your client has a family who rely on their income. How would their family cope, if your client died? How would they meet their monthly outgoings?
• Your client wants to ensure that the benefit chosen retains it’s purchasing power over the policy term. Inflation and the cost of living keeps rising, so our index linking plans could provide peace of mind.
• You identify a family protection need with a client but they are reluctant to take on another expense. By talking in terms of monthly bills and expenditure can highlight the protection need.

More details for Family and Personal Income Plan