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Personal Protection

Additional options and benefits. 

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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 Benefit to your client
Family Income Cover Help your client pay for their family’s living costs if something happens to them Explore Family Income Cover
Protected Cover Top your client's cover back up to 100% after they’ve made a claim Explore Protected Cover
Later Life Options Allows any remaining Serious Illness Cover to be converted into later life cover at the end of the plan to protect against conditions prevalent in later life, such as Alzheimer’s dementia and Parkinson’s.
Serious Illness Cover Booster Even more help coping with the long-term effects of some serious illnesses Explore Serious Illness Cover Booster
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 enables your clients cover to increase each year with no further underwriting. Explore Indexation

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.

Guaranteed Insurability Options

Increase your clients’ cover if their life changes in specific ways.

Where to next?

  • Indexation

    Protect your clients against the rises in the cost of living, making sure they have the cover they need now and in the future.

  • Personal Protection

    With our Personal Protection, we offer your clients the best cover to suit their needs, such as our award-winning Serious Illness Cover.

  • Trusts and Tax

    Learn how your clients can benefit from setting up trusts with us.

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