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Whole of Life Cover

LifestyleCare Cover

Introduction to LifestyleCare Cover

As your client gets older, the likelihood of them becoming ill as a result of later life conditions increases. This includes conditions such as like Alzheimer’s, Parkinson’s, dementia and stroke. That’s why we give your clients the ability to add LifestyleCare Cover to their Whole of Life Cover.
They can also choose to select Optional LifestyleCare Cover Protector, which tops back up your clients cover if they needed to make a claim under LifestyleCare Cover.

We have two levels of cover for your client to choose from:

- Level 1 tops up their cover if they receive a 20% payout from their LifestyleCare Cover
- Level 1 and 2 makes sure that, even if they need to claim all of their LifestyleCare Cover, the total amount of cover they chose when they took out their plan will be available in full when they die.

The benefits of LifestyleCare Cover

  • Take some of the pressure off your clients family and friends
  • Your client can choose the support services that are right for them
  • Protect your client's home, and any savings they’ve got

The key facts you need to know about LifestyleCare Cover:

Minimum term Only available with Whole of Life Cover
Minimum initial amount £10,000
Maximum initial amount
Lower of:
  • 100% of Whole of Life cover amount; and
  • £250,000
 Minimum entry age next birthday 17
Maximum entry age next birthday 75
Important disclosures
  • If your client stops paying premiums, their cover stops too
  • Your client’s plan does not have any cash value at any time
  • We may cancel your client’s plan if they act fraudulently in any way
  • If there is a change in law it may affect how we calculate your client’s premiums

Where to next?

  • Life Cover

    Discover some of the best features of our Defaqto 5-star rated Life Cover.

  • 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.

  • Premium Step

    Your clients can get an upfront discount of up to 50% on premiums and fixed 2.5% annual premium increases with this Whole of Life Cover product.

  • Whole of Life

    Our Whole of Life Cover provides your clients with affordable cover with no compromises and no maximum term.

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