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These products are administered by Old Mutual Wealth Life Assurance Ltd which is part of the ReAssure Group.
This form can be used to apply online with Protect Quote and Apply or as a postal application.
If you’re going to speak to an underwriter before an application to get an indicative decision you can use this checklist to note down all the relevant information you’ll need.
How we collect, manage, store and use your clients' personal information.
This form is for use with Protect Quote and Apply online applications.
This form should be used with the applying for Protect application form if you want more than four policies.
This form is used to seek permission from the person(s) insured to access their medical records, in support of their application.
This form can be used as a data capture form for online or postal applications.
Use this form for direct debit instructions in support of an application.
Application form to be used when applying for Protect continuing cover. Applicable to joint life first death fixed or rolling term policies only.
Use this form as a supplement to an application form for Protect or The Skandia Plan when more than four additional questions need to be answered.
Application form to be used when applying for Protect after-claim cover following a critical illness claim for cancer.
Application form to be used when applying for Protect after-claim cover following a claim other than cancer.
This form is to be completed to opt for a lower level of initial commission on a Protect policy.
To be used for all non standard increases (increases over and above the standard inflation option) and reinstatements (recommencing a paid up policy) for both life and pensions, also in new business cases where existing evidence is out of date and new evidence may be required.
For new business only, to be used when applications and acceptance of terms are out of date, this form is used to provide Old Mutual Wealth with confirmation of a change in the client's health since the application was originally dated or the underwriting decision was made.
This form is to be completed to apply for immediate cover with a Protect policy.
Terms and conditions for Protect guaranteed whole life.
This Key Features Document provides a clear, balanced summary of the information you need to help make a decision about Protect. It describes Protect and its benefits along with the potential risks involved with this type of policy. There's also a list of questions and answers to help fill in the finer details. You should read this document in conjunction with a personalised Key Features Illustration and Terms and Conditions.
Terms and conditions for Protect critical illness cover effective from 16 October 2019.
This brochure gives details about how Protect policies work. You should read this document in conjunction with the Key Features Document for Protect, your personal Key Features Illustration and if you need more details of the policy terms.
Terms and conditions for Protect.
A technical guide for financial advisers about Protect.
This document describes the process involved in applying for probate or letters of administration.
This guide is designed to help you understand how, and why, to use the most popular English law trusts with our regular Premium Life and Critical Illness products to benefit your clients.
Additional care for when life takes an unexpected turn.
We make comprehensive standard.
This document contains details about what medical information we will need to underwrite your client's application based on their age, chosen level of cover and whether it is single or joint life.
A quick reference guide to Protect Life cover.
This is a glossary to cover terms that are widely used in relation to trusts.
This document describes the disability conversion option available on Protect policies.
**Please note - This document is currently being updated.**
This client guide explains Inheritance Tax (IHT) and offers guidance on IHT planning.
This form can be used to put your clients death benefit in trust but retain any critical illness benefit for themselves.
This document is our Inheritance Tax Planning (IHT) for couples.
A flowchart designed to assist financial advisers with selecting the right trust for their clients wanting to use a regular premium life assurance policy for IHT purposes.
A sales aid explaining our latest critical illness cover.
This document describes the advantages and disadvantages of using absolute trusts.
A sales aid for the Additional Care Benefit available with our critical illness cover.
This guide is designed to give you a basic understanding of inheritance tax and how you could reduce your inheritance tax liability in order to pass on as much wealth as possible.
A brief overview of the cover available for a non-claimant after a claim on a Protect policy
This document explains the different uses of Rolling Term.
A case study explaining how a client could use the cover continuation option on a joint life policy to apply for further cover after a claim.
Case studies of why a client would need further cover after a critical illness claim and how our cover reinstatement option can help.
You can find full details of the claims we paid in 2018, together with information on our claims processes, in our latest guide.
A brief overview of the cover available after a total permanent disability claim on a Protect life cover policy
A brief overview of the cover available after a claim on a Protect life cover policy
This sales aid explains how we can offer a solution when one life, on a joint life last death application, is declined.
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