Benefits and options

Changing Your Policy
(also known as Guaranteed Insurability Option)

• Automatically included

Allows your client to increase cover subject to eligibility criteria without providing further medical evidence if:

• if your client's employee receives an increase of earnings due to change of employment or promotion, 
• if your client's employee increases their mortgage or 
• on every third policy anniversary date. 

Your client can change the plan up to three times in total and must make the change within six months of the event.

Eligibility criteria apply, but full details about when and how clients can change their policy can be found in our Product ProfilesPDF file: Product Profiles PDF size: 961.79 .

Other changes

• Automatically included

We will consider requests to make other changes to your client's plan as well.  If changes are made to the plan, then a new plan may be set up and different terms and conditions could apply. 

Wellbeing Support. Provided by RedArc Assured Limited

• Access included as standard

Includes advice and support from experienced registered nurses in the following areas:

• Practical and emotional support
• Mental health support
• Recovery from illness or injury
• Diagnosis understanding, including second opinion
• Dietary and lifestyle
• Serious and chronic illness management
• Health service guidance
• Later life planning

Find out more

Rehabilitation Support Service

• Access included as standard

Available at no extra cost when your client makes a valid claim.  Offers qualifying claimants’ access to a team of healthcare professionals, who’ll support their quicker return to good health and work.

• Tailored support and advice – our experienced in-house medical team assess their needs
• Fast access to healthcare professionals – we handle referrals so they can start treatment sooner
• A structured and phased approach – we’ll help them plan their return to work

Find out more