Switching to us.

Switching an existing group protection policy to us is quick and easy.

Flexible benefits give employees the choice of selecting their own level of protection cover within agreed limits. We offer a range flexible benefits that can be designed to suit your budget and scheme set up.

Flex policies

For standard flex policies, we’ll normally provide cover on the same basis for existing members, which means we can match the previous insurer’s benefit level and terms. It also means we won’t normally need to medically underwrite members whose benefit level is below the free limit. The cost may not necessarily be the same and can go up.

We’ll need full details of all cover where benefit could exceed our free limit, or where cover with the previous insurer has special terms attached. We won’t normally ask for medical evidence for an existing member if their cover with the previous insurer was for their full benefit entitlement as long as they meet our standard switch terms.

To do this, we’ll need to receive a copy of the insurer’s latest letter of acceptance or a declaration – switch terms. We can’t provide cover until we receive one of these.

If we’re given full details, we’ll consider the switch terms even where cover is below a member’s full benefit entitlement and the previous insurer’s terms don’t fall within our standard switch terms.

This is a summary of our switch terms, please refer to our technical guide for further details.

Voluntary policies

We can generally take over existing cover from another provider on comparable terms. We’ll confirm this in the quote.

Contact us to find out how we can help you switch your flexible benefits to us from another provider.