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Additional covers and options


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Change your protection as your life changes

Be sure your plan always gives you exactly the cover you need with our range of additional options.

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Additional covers

Family Income Cover

Make sure your loved ones get a guaranteed monthly income, whatever the future holds.

Family Income Cover provides your family with a set monthly income if you fall seriously ill or die. 

  • Choose a minimum payment period of up to 10 years.
  • Increase your cover in line with rising living costs.

It’s available alongside Life Cover, Serious Illness Cover or Income Protection and comes in two versions: Primary or Comprehensive.

With Comprehensive Cover, you get several extras - we’ll pay your family’s bills in the first year - up to a maximum amount - and provide a £2,000 lump sum towards funeral costs. With Primary Cover, we’ll pay your family a £1,000 lump sum towards funeral costs. 

You can also choose for your Family Income Cover to provide you and your family income if you are diagnosed with one of the serious illness conditions we cover. If you choose this, your children will be covered too. 
Should your life change – for example, if you get married, have a child or increase your mortgage – Family Income Cover also includes our Guaranteed Insurability Benefit, which lets you boost your cover without the need for more underwriting.  

Fast facts:

Plans that pay out on death or terminal illness

Minimum term 5 years
Maximum term Reviewable premiums for 60 years (guaranteed premiums for 50 years)
Minimum sum assured £250 each month subject to minimum premium
Maximum sum assured Monthly equivalent that leads to total payout of up to £20m.
Minimum entry age 17 years old
Policy expiry age 80 years old

Plans that pay out on death, terminal illness or serious illness

Minimum term 5 years
Maximum term Reviewable premiums for 60 years (guaranteed premiums for 50 years)
Maximum sum assured Monthly equivalent that leads to total payout of up to £3m (includes any Serious Illness Cover/Disability Cover)
Minimum entry age 17 years old
Policy expiry age 70 years old

 

Education Cover

Protect your children’s life changes, no matter what the future may bring. 

Education Cover is designed to make sure that your children’s schooling isn’t affected, even if something happens to you. So, should you become seriously ill or die, we’ll:

  • pay private school day or boarding fees, up to a maximum of £11,788 per term per child, if you choose our Private School option.
  • pay the fees if your child goes on to further or higher education, up to the current maximum of £9,000 a year. This maximum figure rises if tuition fees go up in future.
  • give your children £3,000 a year for three years after they turn 18, even if they don’t go on to further or higher education.
  • give your family £840 each term to cover school costs like uniforms, books and school trips.
  • pay a £1,000 Star Award, if your child excels at an activity.
  • give your family a one-off School Absence Benefit of £1000 if one of your children falls ill and is hospitalised for more than 10 days, or if they miss more than 20 consecutive days of school, while we’re paying Education Cover.
  • make sure your benefits increase in line with rising school costs.
     

Fast facts:

Plans that pay out on death or terminal illness
Term Available for a child 18 years or younger
Minimum entry age of policy owner 17 years old
Policy expiry age 80 years old
Plans that pay out on death, terminal illness or serious illness
Term Available for a child 18 years or younger
Minimum entry age of policy owner 17 years old
Policy expiry age 70 years old
Optional Serious Illness Cover for children

Give extra protection to those you love the most. 

Optional Serious Illness Cover for children pays you a cash lump sum if your child suffers a serious illness. It offers: 

  • up to £100,000 extra cover for each child named on your plan
  • cover for more illnesses, so you’re more likely to receive a payment when your child needs it
  • severity-based payments, meaning you can get payments at an earlier stage of your child’s illness or disability, even if it’s not life-threatening
  • the possibility of multiple payments, if your child’s illness progresses or they are diagnosed with an unrelated illness
  • no need for additional underwriting, although pre-existing conditions won’t be covered
  • no need for you to have Serious Illness Cover on your plan
  • the option to choose from either Primary or Comprehensive levels of cover.

Fast facts:

Minimum sum assured £20,000 per child
Maximum sum assured £100,000 per child
Child’s minimum entry age Covered from birth
Maximum child’s entry age (next birthday)
17 years old
Policy expiry age Plan anniversary before the 19th birthday of the child insured

Additional options

Protected Cover

Always keep the level of cover you need – even after you’ve made a claim. 

If you make a claim, our Protected Cover options can take your cover amount back up to 100% of its original level, giving you the extra reassurance of knowing you’ll always have cover when you need it. 

The options:

  • Protected Life Cover: Available as a Life Cover top-up only
  • Protected Life & Serious Illness Cover: Available as a Life Cover and Serious Illness Cover top-up

You can add a Protected Cover option at the start of your plan, or at any time before a claim.

When we take your plan account back up to 100% of its original amount, there’s no extra underwriting, no additional exclusions and - unlike competitors’ buy-back options - no change to your premium.

Fast facts:

Minimum entry age (next birthday) 17 years old
Maximum entry age (next birthday) 65 years old
Expiry age When Serious illness Cover and Optional Serious Illness Cover for Children have ended
Premium waivers

Our Premium Waiver options guarantee that, if you fall ill, you don’t need to worry about having to keep paying your premiums, because we’ll automatically pay them for you and make sure your cover doesn’t stop. 

There are three premium waivers to choose from:

  • Waiver of Premium on Incapacity - If you get ill, injured, or disabled, we stop charging the plan premium for your plan. You can choose a deferred period (the period of incapacity before your premiums are waived) of 7 days, 1, 3, 6 or 12 months.
  • Waiver of Premium on Serious Illness - If you get a serious illness that we classify at severity A, we stop charging the plan premium for your plan. You don’t need to have Serious Illness Cover to have this waiver.
  • Waiver of Premium on Death - Only available if you have a joint life plan. If one person on the plan dies or is diagnosed with a terminal illness, we stop charging plan premiums for the other person covered by the plan.

Fast facts:

  Waiver of Premium on Death  Waiver of Premium on Serious Illness Waiver of Premium on Incapacity
Min term 5 years 5 years 5 years
Max term 40 years 30 years 54 years
Min entry age next birthday 17 17 17
Max entry age next birthday 65 60 60
Max expiry age/date
(not applicable to whole of life)
Age 75 exactly Age 70 exactly Age 70 exactly
Indexation

Protecting the value of your plan against inflation.

Our Indexation option increases the value of your plan against rises in the cost of living, without the need for new underwriting, making sure you’ll always have the cover you need.

Why consider this option

  • Indexation makes sure that inflation doesn’t cut the buying power of your cover.
  • You can add Indexation for free at the start of your policy.
  • As the likelihood of suffering a serious illness increases the older you get, Indexation becomes more valuable because you don’t need to undergo new underwriting, which could result in higher premiums.
  • You can turn down the annual offer to up your cover, without losing the right to use Indexation in future. In fact, we’ll only take away future indexation once you turn down three consecutive rises.
Guaranteed insurability options

Increase your cover without the need for new underwriting. 

Our Guaranteed Insurability option lets you increase your cover whenever your circumstances change – for example, if you have a child or buy a house – without having to give us more information about your health.

Events we cover

  • Childbirth or adoption
  • Marriage or Civil Partnership
  • New or increased mortgage
  • Every third plan anniversary (Income Protection Cover only)
  • Promotion or change of job leading to a salary increase (Income Protection Cover only)
  • Increase in value of estate leading to an increase in inheritance tax liability (Whole of Life Cover only)
  • Legislative change leading to an increase in inheritance tax liability (Whole of Life Cover only)

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