That’s why we offer Free Cover. It’s temporary cover – the same type as you’ve applied for – and it starts as soon as we receive your client’s completed application form.
Free Cover will start when we receive your client’s paper application form or you complete the submission of an electronic application, as long as:
If we have to ask for any information missing from the application form, Free Cover won’t start until we receive it.
We can also offer Free Cover if your client already has a plan and they are applying to change it. If they need to claim, they’ll have the level of cover applied for, even if we haven’t officially updated the plan yet.
Free Cover will be the same type and amount of cover you’ve applied for, up to maximum limits of:
If your client takes out our Income Protection they'll also have fracture cover, hospitalisation payment, additional payment on death and back to work payment included in their Free Cover. See our plan details for details of and when these are payable.
Please see our Free Cover leaflet for more information and the Terms and Conditions that apply.
If you have any questions call us on 0345 6094 500 or email firstname.lastname@example.org