Shepherds Friendly

Income Protection

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.

Hassle-free underwriting:

• A supportive and qualified team of Underwriters offering expert guidance;

• Moratorium-based underwriting with our Simplified Application;

• The Underwriting team provides dedicated points of contact for you and quick decisions for your clients.

Over 50s Life Insurance

A 5 Star Defaqto Rated insurance product with a range of benefits:

• Guaranteed acceptance for those aged between 50 and 80, with no medical questions asked;

• Fixed cash lump sum paid to the client’s family, which will only change if the client chooses to adjust their monthly premium;

• 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:

• Up to £250 towards the cost of the funeral if the client chooses the Funeral Benefit Option, which nominates Cooperative Funeralcare as their funeral provider;

• The client’s family has access to the National Bereavement Service and receives counselling, guidance and support.