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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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