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Adviser Centre

Life Insurance.

  • Life Insurance plans are designed to pay out a lump sum if your client dies within the plan duration.
  • The amount of cover and period of cover can be chosen by the client to suit their needs.
  • Terminal Illness Cover is included at no extra cost.
  • Flexibility to choose joint or single cover.
  • Critical Illness Cover available as an option for an additional cost.
  • If critical illness cover is taken as an option there is a choice between guaranteed and reviewable premiums.
  • Increasing plans will increase in line with the changes in the Retail Prices Index (RPI) and multiplied by 1.5 subject to a maximum increase of 15% per annum. The RPI provides an indication of inflation on a monthly basis. The RPI measures and tracks the average change in the purchase price of goods and services such as housing expenses and mortgage interest payments. If changes to the RPI are 1% or less then the premium and amount of cover will stay the same until the next review.

Limitations and exclusions apply.

Products Within The Range 

Life Insurance for Family Protection
  • The amount of cover remains the same throughout the policy term if level cover is chosen.
  • The benefit paid out can be used to help maintain family lifestyle and help with financial difficulty if the client dies.
  • Offers flexibility - where cover can be increased during the policy term without any further underwriting. Terms and conditions apply.

Limitations and exclusions apply.

Life Insurance for Mortgage Protection
  • Choice between level, increasing or decreasing cover
  • Free life cover available at no extra cost between exchange and completion (or conclusion of missives in Scotland).
  • SmoothMove – moving day rescue cover provided by Inter Partner Assistance – included at no extra cost if the policyholder is moving house.

Limitations and exclusions apply.

Life Insurance for Business Protection
  • A policy designed to pay out a cash lump sum if a business would be unable to trade in the event of a director, partner or key person falling terminally ill, or dying.
  • Can be used to cover a business loan.
  • Decreasing cover is available for loan cover.
  • Premiums are guaranteed throughout the policy term.
  • Cover can be increased during the policy term without any further underwriting. Terms and conditions apply.
  • Consider Key Person Protection if continuation planning is needed.
  • Consider Partner/Director Share Protection if succession planning is needed.

Limitations and exclusions apply.