Our range of covers
With our Personal Menu Plan you can mix and match a range of covers and benefits with different sums assured and plan terms to tailor the cover that suits your clients' needs and budgets.
The cover available from our Personal Menu Plan can change with your clients. So if it’s protecting their mortgage, family, or the lifestyle they’ve built – we’ve got it covered. All with just one application, one plan charge and one direct debit.
Benefits of our Personal Menu Plan
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Deliver what your clients need
Mix and match a range of covers to suit your clients' individual needs. For example, by combining Income Protection with Life Cover you can make sure they've got a regular income to help cover expenses if they’re unable to work, as well as ensuring that their mortgage is protected.
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Choice and flexibility
Choose different start dates for each cover, meaning you could request for a client's family protection to start straight away, and for their mortgage protection to start at a later date, if required.
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Dual Life cover
Choose different owners for each cover under one plan, which means one life could be covered for a higher amount or for longer. This option also means both people are covered by separate covers, so if there's a claim for one person, the other will still be protected.
Dual Life isn't available through our Income Protection product.
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Underwrite Later
With our Underwrite Later option, we’ll place your client’s plan on risk for up to six months while we wait for any medical information we might need to fully assess the application.
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Family income benefit
Your clients can choose to receive any potential Life Cover or Critical Illness Cover claim as an income rather than a lump sum which could result in reduced premiums.
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Free cover
Waiting on a mortgage completing can sometimes take time. That’s why we can provide your clients with cover as soon as we've received their application - so they’re protected even before their plan starts.
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A range of trusts
Using a suitable trust can help your clients avoid a delay in benefits being paid and may help them to avoid an inheritance tax liability. We've a wide range of bare and discretionary trusts available to meet your client’s needs.
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Helping Hand
All our Personal Menu Plans come with our Helping Hand support service. Helping Hand is there for your clients, whichever stage in life they're at, and as a plan owner it doesn't cost them anything extra to use.
Helping Hand is a package of support services and each service is provided by third parties that aren’t regulated by either the Financial Conduct Authority or the Prudential Regulation Authority. These services aren’t part of our terms and conditions and don’t form part of your client’s insurance contract with us, so can be amended or withdrawn at any time. This means that your client or their family’s access to these services could be amended or withdrawn by us in the future.