Protect against the cost of losing a key person
Key Person Protection could help your client safeguard their business against the financial impact of death or terminal illness (if life expectancy is less than 12 months). Critical Illness Cover or Critical Illness Extra can be added when taking out the policy.
If a valid claim is made, the proceeds are paid directly to the business, which could help them replace a key person, cover lost profits and help their business continue trading.
Fast underwriting decisions
83% of underwriting decisions receive an instant decision.
We’ll beat competitors
In some instances, you may be able to use Price Beater to get the best price for your client. Please see our Price Beater guide for more details.
Includes Accidental Death Benefit
Your client is covered while we process their application.
Changing Your Policy Option
Allows your client to increase cover on specified events, without further medical questions. Eligibility criteria and restrictions apply.
Waiver of Premium option
For an additional cost, your client won’t have to pay their premium after 26 weeks if the person covered can’t work due to illness or injury.
Protect against inflation
Option to choose increasing cover, which increases in line with the changes in the Retail Prices Index.
Access included as standard. Personalised practical and emotional telephone support from a registered nurse. Provided by RedArc Assured Limited.
For full details, download the product profiles document
For life insurance only: no maximum cover amount, subject to underwriting.
For Critical Illness Cover or Critical Illness Extra:
For Whole of Life Protection Plan:
|Type of cover||
The following types of cover are available:
|Death in the first year||
Benefits and options
|Accidental Death Benefit|
|Changing your policy (previously known as Guaranteed Insurability Option)||
|Critical Illness Cover (not available for Whole of Life Protection Plan)||
|Immediate Cover (not available for Whole of Life Protection Plan)
|Terminal Illness Cover (not available for Whole of Life Protection Plan)||
|Waiver of Premium||
Pre-sale support, including underwriting limits, BMI, and how to get an indication of our terms.
Our guide to trusts, their benefits, and how to set one up for your client.
Explore our library of brochures, forms, guides, and product sales aids for advisers.