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Personal Protection

Additional options and benefits


Tailor your clients' plans

We offer a range of additional options and benefits so you can tailor your clients protection to suit their needs.

Our core covers - Life Cover, Serious Illness Cover and Income Protection Cover - are designed so you can add a range of additional options and benefits to them, allowing you to personalise your clients plans even further.
Additional options and benefits Overview
Child Serious Illness Cover The same as our market-leading Serious Illness Cover*, providing the widest level of cover for children. It pays out a cash lump sum if any of your children suffer a serious illness.
Waiver of premium on incapacity We give your clients the option to waive their plan premiums - but retain cover - if they are unable to work due to incapacity.
Premium Step (only with Whole of Life) Offers your clients an upfront premium discount and certainty of future price changes with an annual 2.5% fixed premium change.
Indexation Indexation enables your client's cover to increase each year with no further underwriting.
LifestyleCare Cover (only with Whole of Life)
Gives your clients the ability to use some or all of their life cover early, if they can’t look after themselves in later life.

*Cover for complications of pregnancy and Dementia and FrailCare Cover has been removed for children.

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