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What is a free limit.
A major advantage of a group arrangement is that members below the free limit don’t normally have to be medically underwritten. The maximum free limit is different for all our Group Protection products.
To find out what the maximum free limit is for our other products, you should visit the ‘Free limits explained' section for Group Life Assurance and Dependants’ Pensions and Group Income Protection.
| What does this mean? | We can provide cover up to a certain amount without the member having to provide medical evidence about their health and pastimes. |
| How it works | We’ll set the free limit when we quote for a scheme. The free limit will depend on the number of eligible members joining and the level of benefit entitlement. Pre-existing conditions and related condition exclusions will continue to apply to benefits, unless we tell you otherwise. We won’t need medical evidence for children who are covered under the scheme. The pre-existing and related conditions exclusion will continue to apply to their benefits. |
| Maximum free limit | £500,000 scheme benefit. We’ll tell you what the free limit is when we send you a quote. |
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