The main covers included in our Personal Protection policy are critical illness protection, life cover and income protection. You can combine these in various ways, and certain additional benefits, such as the option to increase the level of cover and free critical illness cover for children, are included automatically. In addition, with certain covers you can choose whether benefits are paid as a lump sum or in instalments.
Further option
A further option, called gift inter vivos, allows you to insure against a potential inheritance tax charge if you die within seven years of making a gift.
Additional options
Additional options, such as having the premium waived during periods of incapacity, choosing fixed-term or renewable policy and having your benefits adjusted for inflation can also be added.
At any time, you can increase or reduce your level of benefit, or increase or reduce its term. You can add or remove a main benefit, add or remove a life assured, and change the payment frequency and deferred period.
Common questions
What is waiver of premium?
What are the definitions of incapacity?
Further information... Who should I talk to?
Speak to your financial adviser to find out more. If you don't have an adviser, the IFA Promotion Service or the Society of Financial Advisers can help you find one.