A Defaqto 5 Star Rated protection product that suits a wide range of clients:
Short Term options for one year and two years available;
Full Term (until retirement) option available;
No loading or rating of premiums, regardless of the health status, occupation, or smoking status of the applicant;
- Up to 70% of pre-Incapacity income covered for the employed and self-employed;
- All medical exclusions are reviewable following 12 months symptom and treatment free;
- Flexibility for your clients with the Guaranteed Insurability Option to increase cover when certain life events take place, and Career Breaks available between three and 24 months;
- Simplified Application or Full Health and Lifestyle Application options available;
- Simplified Application route includes a moratorium on pre-existing conditions and can be completed in as little as 5 minutes;
- Full Health and Lifestyle route requires that you disclose all relevant medical history for the client and this will then be reviewed by a member of our underwriting team before offering terms.
Benefits created with clients in mind:
Nuffield Health Benefits, including 24/7 Virtual GP Service, emotional wellbeing support platform, and 20% Anytime gym membership at Nuffield Health and Wellbeing centres;
Additional support to help members return to work, including access to counselling, mental health advice and physiotherapy providers;
- A £250 New Child Payment into a Shepherds Friendly Junior ISA;
- Bereavement Payment – if the Income Protection plan member dies, their family will receive £6,000 over a period of six months.
Over 50s Life Insurance
A 5 Star Defaqto Rated insurance product with a range of benefits:
- The client chooses a monthly premium that works for them and, if needed, can take out multiple plans to increase the total level of cover.
Support for your client’s family: