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Protect

Forms

    • Protect Data Capture Form

      This form can be used to apply online with Protect Quote and Apply or as a postal application. 

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    • Pre-application checklist

      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.

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    • Customer privacy notice

      How we collect, manage, store and use your clients' personal information. 

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    • Access to medical reports form

      This form is for use with Protect Quote and Apply online applications.

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    • Applying for additional Protect policies

      This form should be used with the applying for Protect application form if you want more than four policies.

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    • Applying for Protect with tele-interviewing - Access to medical reports form

      This form is used to seek permission from the person(s) insured to access their medical records, in support of their application. 

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    • Applying for Protect with tele-interviewing

      This form can be used as a data capture form for online or postal applications.

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    • Protect Direct Debit

      Use this form for direct debit instructions in support of an application.

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    • Applying for Protect continuing cover

      Application form to be used when applying for Protect continuing cover. Applicable to joint life first death fixed or rolling term policies only.

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    • Additional health information

      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.

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    • Applying for Protect after-claim cover 1

      Application form to be used when applying for Protect after-claim cover following a critical illness claim for cancer.

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    • Applying for Protect after-claim cover 2

      Application form to be used when applying for Protect after-claim cover following a claim other than cancer.

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    • Commission selection form for Protect

      This form is to be completed to opt for a lower level of initial commission on a Protect policy.

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    • Comprehensive declaration of health

      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.

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    • Declaration of continuing good health

      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.

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    • Immediate cover facility for Inheritance Tax (IHT) planning

      This form is to be completed to apply for immediate cover with a Protect policy.

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Key features and terms

    • Details of your Protect guaranteed whole life policy series 9

      Terms and conditions for Protect guaranteed whole life.

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    • Key features of Protect – flexible life and critical illness cover

      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.

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    • Details of your Protect critical illness cover policy series 10

      Terms and conditions for Protect critical illness cover effective from 16 October 2019.

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    • Explaining Protect – flexible life and critical illness cover

      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.

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    • Details of your Protect life assurance policy series 9 (Fixed or Rolling term)

      Terms and conditions for Protect.

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Guides and brochures

    • About Protect

      A technical guide for financial advisers about Protect.

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    • Applying for probate or letters of administration

      This document describes the process involved in applying for probate or letters of administration.

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    • Guide to Completing Trusts

      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.

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    • Additional care benefit

      Additional care for when life takes an unexpected turn.

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    • Critical illness overview

      We make comprehensive standard.

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Support material

    • Non-medical limits

      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.

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    • Protect Life Cover

      A quick reference guide to Protect Life cover.

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    • A simple trust glossary

      This is a glossary to cover terms that are widely used in relation to trusts.

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    • Converting life cover to monthly care benefits

      This document describes the disability conversion option available on Protect policies.

       

      **Please note - This document is currently being updated.**

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    • Helping you understand inheritance tax planning

      This client guide explains Inheritance Tax (IHT) and offers guidance on IHT planning.

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    • Protection trust

      This form can be used to put your clients death benefit in trust but retain any critical illness benefit for themselves.

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    • IHT planning for couples

      This document is our Inheritance Tax Planning (IHT) for couples.

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    • Inheritance Tax (IHT) - using a regular premium life assurance policy

      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.

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    • Critical illness overview - we make comprehensive standard

      A sales aid explaining our latest critical illness cover.

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    • Absolute trusts - important considerations

      This document describes the advantages and disadvantages of using absolute trusts.

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    • Additional care benefit

      A sales aid for the Additional Care Benefit available with our critical illness cover.

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    • Your guide to UK inheritance tax and trusts

      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.

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    • Continuing cover options - Protect

      A brief overview of the cover available for a non-claimant after a claim on a Protect policy

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    • Rolling Term- The advantages of two products in one

      This document explains the different uses of Rolling Term.

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    • Cover continuation case study

      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.

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    • Cover reinstatement case studies

      Case studies of why a client would need further cover after a critical illness claim and how our cover reinstatement option can help.

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    • Protect claims paid

      You can find full details of the claims we paid in 2018, together with information on our claims processes, in our latest guide.

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    • Cover reinstatement option - Protect life cover (fixed term & rolling term policies)

      A brief overview of the cover available after a total permanent disability claim on a Protect life cover policy

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    • Cover reinstatement option - Protect critical illness cover

      A brief overview of the cover available after a claim on a Protect life cover policy

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    • Claims paid information

      You can find full details of the claims we paid in 2018, together with information on our claims processes, in our latest guide.

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