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Whole of Life

Premium Step.

Premium Step is one of our Whole of Life Cover products.

The cover offered is the same as with our traditional Whole of Life Cover products, but comes with an upfront discount of up to 40% on premiums depending on age. Premiums will then increase by a fixed amount of 2.5% each year.

Which of your clients will benefit?

For cost reasons, many clients take out Term Cover as opposed to Whole of Life Cover, which is a less comprehensive solution and may not be right for their circumstances.

The upfront discount of up to 40% on Whole of Life Cover with Premium Step brings the monthly premium closer to Term Cover, making advising and selling Whole of Life Cover easier. As the cover lasts for the rest of your clients’ lives, you can be sure that they’ll receive a lump sum to leave behind to their loved ones.

Why recommend Premium Step?

Premium Step is a solution for your clients if:

• They're looking for upfront affordability on their Whole of Life premiums
• They want certainty about their future premiums increases.

Woman using tablet
Premium comparison tool

Compare the cost on our Term and Whole of Life Plans with our premium comparison tool 

Where to next?

  • All reward partners

    See all our discounts and rewards.

  • LifestyleCare Cover

    Cover that gives your clients the ability to use some or all of it early if they can’t look after themselves.

  • 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.

  • 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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