Our annual check-up. Critical illness claims statistics For advisers only 1
|
|
- Bryan Melton
- 8 years ago
- Views:
Transcription
1 Our annual check-up Critical illness claims statistics 214 For advisers only 1
2 A picture of confidence We 94% of critical illness claims in 214 We re in business to pay claims. And in an industry like ours, claims statistics are important. They help to reassure you that if your clients ever have to make a claim, they ll be. And regardless of the outcome of a claim, our Helping Hand service gives them practical and emotional support for no extra cost. We re always looking at ways to improve the cover we offer. 88% of the critical illness claims we in 214 were for only 5 reasons (cancer, heart attack, stroke, children s critical illness and multiple sclerosis). We want to make things easier for clients and pay more claims so we provide wide definitions for these conditions. Making sure they still go beyond the ABI standard. 5k to a 45-year-old housing officer who was diagnosed with myeloma 1 years after their policy started. 12k to a 28-year-old civil servant who was diagnosed with multiple sclerosis. 1
3 88% 47 5% REJECTED FOR NOT MEETING THE DEFINITION 1% AT REJECTED FOR MISREPRESENTATION TOP 5 REASONS FOR CLAIM 62% 47% 53% CHILDREN S CI 5% 84k AVERAGE PAYOUT 367k AVERAGE PAID EACH DAY 9k 134m HIGHEST PAYOUT TOTAL PAID MULTIPLE SCLEROSIS 3% Source: Bright Grey and Scottish Provident claims (1 January to 31 December 214). Bright Grey and Scottish Provident are Royal London's UK intermediary protection businesses. We have a shared approach to claims, so the statistics we show cover both brands. 32
4 Critical illness breakdown 56% chance of one person in a group of 4 all aged 3 being diagnosed with a critical illness during their lifetime. (Source: GenRe, March 215). 3
5 Critical illness breakdown Breakdown of the definitions claimed for All claims Male Female Cause of CI claim % of claims % of claims Age at claim (average) Months in force before claim (average) Cancer 989 9,461,246 41% 43 38,581,424 59% ,879, Heart attack ,396,894 92% ,341,287 8% 16 1,55, Stroke 91 7,915,5 71% 65 6,59,719 29% 26 1,45, Children s CI 73 1,42,527 59% ,172 41% 3 548, Multiple sclerosis 52 5,48,351 23% 12 1,49,342 77% 4 3,639, Coronary artery by-pass grafts 43 3,724,533 91% 39 3,452,437 9% 4 272, Parkinson s disease 29 2,618,986 79% 23 2,271,696 21% 6 347, Benign brain tumour 27 2,34, , ,271, Heart valve replacement or repair 18 1,326, ,326, Angioplasty ,585 83% 1 54,33 17% 2 22, Open heart surgery 8 684,63 63% 5 348,36 37% 3 335, Ductal carcinoma in situ 8 61, , Bacterial meningitis Major organ transplant , , , , ,23 2, Cancer - 62% Children s CI - 5% Motor neurone disease Kidney failure Other ,929 41,77 2,374, % , ,911 2,293, % ,966 76,166 81, n/a n/a Heart attack - 12% Multiple sclerosis- 3% Stroke - 6% Other - 12% ,968,464 53% ,63,234 47% ,365,
6 Cancer claims in detail Cancer is the single biggest critical illness risk we all face. Cancer Research UK estimates that 1 in 2 people in the UK born after 196 will be diagnosed with some form of cancer during their lifetime. (Source: Cancer Research UK, Febuary 215) There are more than 2 types of cancer, but 32% of our cancer claims were for breast cancer Site of cancer Breast Bowel/colo-rectal Skin Prostate Lymphoma Testicular Brain Leukaemia Lung Kidney Cervical Throat/tonsils Thyroid All claims Male Female ,787,925 7,861,942 8,619,659 4,842,622 5,46,778 4,46,971 3,712,396 3,854,769 1,376,552 2,24,399 2,534,51 1,89,762 1,653,336 % of claims 57% % 1 56% 72% 54% 63% 83% ,431 3,897,22 3,874,172 4,842,622 3,733,113 4,46,971 2,137,967 2,585, ,886 1,627,172 1,481,689 52,66 % of claims 1 43% 6 35% 44% 28% 46% 37% 1 17% ,68,495 3,964,74 4,745,487 1,673,665 1,574,429 1,269,643 66, ,226 2,534,51 49,73 1,133,27 Ovarian 18 2,16, ,16,238 Womb 12 98, ,945 Pancreas , , ,678 Other ,298,12 67% 74 8,143,794 33% 37 3,154,218 Grand total 989 9,461,246 41% 43 38,581,424 59% ,879,822 5
7 by age It can happen to anyone 24 was the age of the youngest person who claimed in 214 Over 1/3 of the critical illness claims we were for people under 45. People often think they re too young to need protection, but these claims show there s no ideal age to buy it. Age of group Under to ,561,681 16,82,48 4 to ,626, to ,55,259 Under 35-6% 5 to 54-18% 5 to ,214,5 35 to to 44-19% 45 to 49-24% 55 to 59-15% 6 to 64-5% 65 and over - 2% 55 to 59 6 to and over ,896,478 4,495,62 2,12,38 Please note that these figures exclude children s CI claims. 6
8 Helping Hand More than just the money Our Helping Hand service offers your clients practical and emotional support from the day their plan starts, at no extra cost. Whether they claim or not. What s more, their families can use it too (spouse or partner and children). Helping Hand gives you the chance to show the value of quality cover through positive outcomes. And it s a great way for you to show the value of your advice and exceed your clients expectations. When people suffer an illness, injury or bereavement, money worries can add to the pressure. But the emotional impact often hits them first. So we include Helping Hand with every menu and relevant life plan to help your clients and their families cope with the devastating effects of critical illness and death. And because it gives them what they need, when they need it, they can use it for as long as they need it too. 89% of the people we referred in 214 after a critical illness claim used Helping Hand (source: RedArc service analysis, 214). 317k to a 36-year-old anaesthetist who was diagnosed with breast cancer 2 years after the start of their policy. 7
9 CASE STUDY Teri s story CASE STUDY Steve s story The stories behind the numbers We discovered how much a service like Helping Hand was needed by listening to people who had been through a serious illness or the death of a loved one. Once you find out more about the people who have been supported by our unique service, it s easy to understand just how valuable it is. We re here for your clients. If they do make a claim and they want to use Helping Hand, they ll get their own personal nurse adviser to help them get their life back on track as quickly and easily as possible, no matter what their situation. For many people, that s just as important as the money. 88k to a 55-year-old landscape gardener who had a stroke 2 months after the start of their policy. Teri s life was turned upside down when her husband Frank had a motorbike accident. He spent 6 weeks critically ill in hospital, being treated for injuries to his brain and spine. The situation couldn t have been much worse. However, the one saving grace was that 2 years before his accident Frank had taken out critical illness cover. The payout helped the couple pay off their mortgage and gave Frank the time he needed to return to work successfully, at his own pace. Through Helping Hand, Frank also benefited from practical and emotional support from a personal nurse adviser. The personal nurse adviser felt Teri needed some help too. So she arranged for her to have 6 sessions of aromatherapy massage. Teri says It helped me cope with the stress of caring for my husband and our 4-year-old son. For Teri, Helping Hand meant: Immediate support in a crisis Practical tools to relieve symptoms Support for the family Help to prepare for the future As a firefighter, keen cyclist and father to 2 young children, Steve wanted to get back on with his life as soon as possible following a ruptured Achilles tendon and 1 weeks in plaster. But he faced a 6 to 8 week wait for physiotherapy on the NHS. Then he remembered the Helping Hand service which was part of his Life and Critical Illness Cover with Bright Grey. I knew I couldn t make a claim, but I wondered if Helping Hand could help me. His personal nurse adviser put him in touch with a specialist rehabilitation physiotherapist close to where he lived, and this meant the next stage of his recovery could start straightaway. Even though Steve didn t make a claim, he got 8 sessions through Helping Hand to bridge the gap until his NHS physiotherapy could take over. This made a huge difference to me and my family, says Steve. For Steve, Helping Hand meant: Proactive suggestions Treatment he didn t need to pay extra for Support when he needed it A speedier recovery 8
10 Our claims process If you need to make a claim on behalf of your client, these are the steps you need to take: 1 Phone us on to register the claim. *These are the documents we might ask for when you make a claim on behalf of your client: 2 3 We ll send you a claim form. Once you receive the form, you or your client should fill it in and send it back to us with any other documents* we ask for. You ll have a single point of contact throughout the claim. We ll give you their name and contact details. And a personal nurse adviser will call the claimant or affected person immediately. Make sure your client continues to make payments for their plan. The birth, marriage or death certificate of the person covered Any other evidence of a change of name Evidence of income of the person covered Medical evidence to support the claim 458k to a 37-year-old account executive who was diagnosed with malignant melanoma. 9
11 Why choose Bright Grey? With us, protection is always personal We re protection specialists. So we spend our time and energy focusing on the protection market. Our job is to give you and your clients the best products and service we can, to make it easy for you to do business with us and to make sure we meet the needs of your clients, every time. Service We ve made excellent service a key part of our proposition. Every application is managed by your own dedicated case manager, and our service teams are committed and experienced. We re in business to pay claims, so our claims experience is very important to us. Publishing claims statistics helps you and your clients understand the illnesses we cover, the definitions we work to, and the way our claims process works. Awards Our awards help you to see where we re doing well and give you an idea of adviser support and feedback for the work we do. We think that s important when you re making decisions about what products and covers are best for your clients. 1
12 We re in business to pay claims T F E help@brightgrey.com A 2 Queen Street, Edinburgh, EH2 1BG W To find out more, get a digital copy of this document, or to quote and apply online go to Bright Grey is a division of the Royal London Group, which consists of The Royal London Mutual Insurance Society Limited and its subsidiaries. The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number It provides life assurance and pensions and is a member of the Association of British Insurers and the Association of Financial Mutuals. Registered in England and Wales number Registered office: 55 Gracechurch Street, London, EC3V RL. 12 PC1896A.515
OUR ANNUAL CHECK-UP. Critical Illness Claims Statistics 2014. Protection
OUR ANNUAL CHECK-UP Protection Critical Illness Statistics 21 WE RE IN BUSINESS TO PAY CLAIMS In an industry like ours, claims statistics are important. They help to reassure you that if your clients ever
More information52,929,390 paid out in critical illness claims in the first six months of 2013*
Critical Illness Report (January to June 2013) 52,929,390 paid out in critical illness claims in the first six months of 2013* 66 % Cancer 12 % Heart Attack 9 % Other 3 % Benign Brain Tumour 4 % Multiple
More information43,303,919 paid out in critical illness claims in the first six months of 2012*
Critical Illness Claims Report 43,303,919 out in critical illness claims in the first six months of 2012* 60 % Cancer 16 % Heart Attack 10 % Other 3 % Benign Brain Tumour 5 % Multiple Sclerosis 6 % Stroke
More informationCRACKING GOOD COVER. Protection Personal Menu. royallondon.com
CRACKING GOOD COVER Protection Personal Menu royallondon.com WHAT S INSIDE A summary of our protection covers 4 Cover for you, your partner or both of you 5 Life Cover 6 Critical Illness Cover 7 The full
More informationDo I really need critical illness cover? A guide to protect against the financial impact of a critical illness
Do I really need critical illness cover? A guide to protect against the financial impact of a critical illness What's inside 2 Cancer survival rates 5 Survival rates are improving 6 Coping with a critical
More informationCritical illness cover. It s about time.
Report prepared for 29 September 2015 Critical illness cover. It s about time. Term-based life cover s simple. You die within the term, it pays out, you don t, it doesn t. Unfortunately, life itself isn
More informationCritical illness cover. It s about time.
Report prepared for 6 March 2014 Critical illness cover. It s about time. Term-based life cover s simple. You die within the term, it pays out, you don t, it doesn t. Unfortunately, life itself isn t that
More informationHow To Get A Mortgage Payment Protection Insurance (Mppi) Plan With Bright Grey
Have you protected the most valuable things in your home? Protecting yourself as well as your home What s inside 2 A product to suit your life today, and in the future 4 Income Cover for Sickness 6 Critical
More informationCRITICAL ILLNESS COVER
CRITICAL ILLNESS COVER IF LIFE WERE TO CHANGE overnight due to a critical illness, and you had to stop working to focus on your health, have you thought about what financial support you have in place?
More informationCRITICAL ILLNESS COVER
CRITICAL ILLNESS COVER IF LIFE WERE TO CHANGE overnight due to a critical illness, and you had to stop working to focus on your health, have you thought about what financial support you have in place?
More informationLife, Critical Illness and Income Protection Claims Summary. From January to December 2013
Life, Critical Illness and Income Protection Claims Summary From January to December 2013 This is why we are here to financially protect our customers when they need it most. We are proud of what we have
More informationWhy do I need protection?
Why do I need protection? What s inside 3 Life cover 4 Critical illness cover 7 Income protection 8 Who else would you rely on? 10 It might cost less than you think 12 A word from your adviser... Introduction
More informationCritical illness cover. It s about time.
Report prepared for 9 December 2015 Critical illness cover. It s about time. Term-based life cover s simple. You die within the term, it pays out. You don t, it doesn t. Unfortunately, life itself isn
More informationCritical Illness Cover from Bright Grey.
Critical Illness Cover from Bright Grey. It just got brighter. Now includes additional cover for 2 early forms of cancer. Protection. We make it personal The latest improvements to our critical illness
More informationGet the whole story about Critical Illness and how this could affect you
Get the whole story about Critical Illness and how this could affect you Aviva s Critical Illness claims report 2009 Aviva s 2009 critical illness claims report For most of us, the importance of having
More informationWHEN YOU NEED IT MOST
A HELPING HAND WHEN YOU NEED IT MOST A Guide to Your One to One Personal Support Helping Hand: One to One Personal Support Introducing ROYAL LONDON Ever since we started as a Friendly Society over 150
More informationThis document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote.
Key facts of the Lifestyle Plus Protection plan (October 2013) This document contains important information about the Lifestyle Plus Protection plan and you should read it along with your quote. This document
More informationBusiness Plan - What You Need to Know
KEY FACTS OF OUR BUSINESS MENU PLAN Protection Business Menu Important information you should read WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4
More informationHelp first-time buyers get on the protection ladder
For advisers only Help first-time buyers get on the protection ladder Affordable cover for your clients Mortgage opportunities. Protect more than just the bricks and mortar. What s inside 1 Helping your
More informationCritical illness report 2005
Critical illness report 2005 1 Critical illness report 2005 Critical Illness cover pays out a lump sum if you are diagnosed within the term of the policy with a critical illness that meets the policy definition.
More informationThis document contains important information about the Lifestyle Protection plan and you should read this along with your quote.
Key facts of the Lifestyle Protection plan July 2014 This document contains important information about the Lifestyle Protection plan and you should read this along with your quote. This document doesn
More informationCritical Illness Claims Report 2006
This communication is intended for qualified financial advisers only and must not be relied upon by anyone else. This is the Critical Illness Claims Report 2006 from Assurance Limited Hello. This report
More informationTHE MARKET AT A GLANCE.
1 BUSINESS PROTECTION SETTING UP BUSINESS PROTECTION POLICIES CRITICAL ILLNESS COVER COMPETITOR COMPARISON THE MARKET AT A GLANCE. We believe our Critical Illness Cover offers a competitive alternative
More informationOUR PERSONAL MENU PLAN
KEY FACTS OF OUR PERSONAL MENU PLAN Important information you should read Protection Personal Menu WHAT S INSIDE See if our plan is right for you 3 The aims of our plan 3 Your commitment 4 The risks 4
More informationFor customers Friends Life Individual Protection. Childcover benefit
For customers Friends Life Individual Protection Childcover benefit Helping to protect the whole family Most parents don t want to think about what would happen if their child became critically ill. However,
More informationLifetime Protection Plan from Standard Life Protecting you and your family
Lifetime Protection Plan from Standard Life Protecting you and your family Remember when you thought you were invincible 1 of 33 2 of 33 When was the last time you felt invincible? Contents The need for
More informationTaking care of tomorrow
Friends Life Protection Account Critical Illness Cover Guide Taking care of tomorrow Critical Illness Cover Taking care of tomorrow Friends Life Critical Illness Cover is here for you through whichever
More informationLevel, Renewable and Family Income Protection Key Features
Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationCRITICAL ILLNESS INSURANCE. ExtensiA. The ideal complement to your group insurance
CRITICAL ILLNESS INSURANCE ExtensiA The ideal complement to your group insurance Peace of mind within your reach Today, progress in medicine and breakthroughs in research have significantly extended our
More informationProgressive Care Insurance for life A NEW TYPE OF INSURANCE
Progressive Care Insurance for life A NEW TYPE OF INSURANCE New Progressive Care from Sovereign Progressive Care is a type of insurance that is new to New Zealand. It s not a traditional all-or-nothing
More informationKEEPING YOUR BUSINESS ON COURSE. Helping you protect your business. Protection Business Menu
KEEPING YOUR BUSINESS ON COURSE Helping you protect your business Protection Business Menu WHAT S INSIDE As a business owner you know what you need to make your business a success. Suitable premises, machinery
More informationFacing the challenges of CRITICAL ILLNESS
Facing the challenges of CRITICAL ILLNESS INTRODUCTION What is insurance? In life, we are all faced with threats which, if they occurred, would result in financial loss Insurance is the process of protecting
More informationabout our eselect Protection Life or Earlier Critical Illness Cover
about our eselect Protection Life or Earlier Critical Illness Cover We set out the main points about our eselect Protection Life or Earlier Critical Illness Cover below. Your personal illustration shows
More informationKey facts of AA Life Insurance with Critical Illness Cover
Key facts of AA Life Insurance with Critical Illness Cover The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life Limited, to give you important
More informationvital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance
vital link Critical Illness Insurance It s about living your life Your guide to Critical Illness Insurance You really feel like you re on the right track. Your life seems to be going just as you planned.
More informationThe real value of protection. Our life, critical illness and income protection claims
The real value of protection Our life, critical illness and income protection claims The real value of protection When you take out an Aviva protection policy, you re relying on us to be there when it
More informationLiving Benefit Plans
Living Benefit Plans What is Critical Illness Insurance? Critical Illness Insurance pays a lump sum Benefit upon diagnosis of a covered condition, such as, heart attack, cancer and stroke. History Origins
More informationDoctors of BC Critical Illness Insurance
Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying
More informationFor customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.
For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers
More informationInsurance from MLC. Making your insurance even better. MLC Life Cover Super and MLC Personal Protection Portfolio
Insurance from MLC Making your insurance even better MLC Life Cover Super and MLC Personal Protection Portfolio Effective from: 17 October 2011 Making sure you re well protected We regularly review our
More informationProtecting you and your world. Mortgage Protection. With Serious Illness Cover
Protecting you and your world Mortgage Protection With Serious Illness Cover Serious Illness Cover for your Mortgage from Caledonian Life Caledonian Life s Mortgage Protection policy offers you a cost-effective
More informationZurich Life Risk Trauma cover
Product Summary Issued 21 December 2015 Zurich Life Risk Trauma cover Adviser use only Trauma insurance provides a lump sum payment on diagnosis or occurrence of a covered trauma. This is a summary only
More informationWhy CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage
Why CI? Critical Illness Protection from Transamerica for a Broader Spectrum of Coverage What is Critical Illness Protection? Critical Illness Protection is a form of insurance that provides you with a
More informationSun Critical Illness Insurance
Sun Critical Illness Insurance PRODUCT FEATURE SHEET CRITICAL ILLNESS INSURANCE gives you a lump sum payment if you are diagnosed with and survive an illness covered by your plan. Having this extra measure
More informationAA Critical Illness with Life Cover Policy Summary
AA Critical Illness with Life Cover Policy Summary The Financial Services Authority is the independent financial services regulator. It requires us, Friends Life and Pensions Limited, to give you important
More informationThe real value of protection. Our life, critical illness and income protection claims
The real value of protection Our life, critical illness and income protection claims The real value of protection When you take out an Aviva protection policy, you re relying on us to be there when it
More informationAll you need to know
www.scottishprovident.com Welcome This pack should contain everything you need to know about the way Scottish Provident and our products can benefit both you and your clients. Of course, if there is anything
More informationCritical Illness Insurance. What is Critical Illness Insurance
Critical Illness Insurance What is Critical Illness Insurance Whereas life insurance has been readily available for literally hundreds of years, critical illness insurance is a relatively recent development.
More informationKey features of Skandia Protect
Key features of Skandia Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Skandia, to give you this important information
More informationLooking after yourself. Critical Illness insurance for women
Looking after yourself Critical Illness insurance for women Looking after yourself With Critical Illness insurance you can concentrate on getting better without worrying about the cost The emotional trauma
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life and Critical Illness Insurance Inside you ll find full details about Tesco Life Insurance. Key features of
More informationMortgage Protection and Level Protection Key Features
Mortgage Protection and Level Protection Key Features Lifetime Protection Plan from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationINNOVATIVE 5-STAR SERIOUS ILLNESS COVER
INNOVATIVE 5-STAR SERIOUS ILLNESS COVER FROM VITALITYLIFE VITALITY.CO.UK/LIFE YOU RE UP TO TWICE 1 AS LIKELY TO GET A PAYOUT FROM OUR SERIOUS ILLNESS COVER THAN YOU ARE FROM A TYPICAL CRITICAL ILLNESS
More informationFor customers Friends Life Individual Protection Critical Illness Cover. Critical Illness Cover. It s critical illness. And more.
For customers Friends Life Individual Protection Critical Illness Cover Critical Illness Cover It s critical illness. And more. It s critical illness. And 2 it s designed with your needs in mind. it covers
More informationA Guide to Critical Illness Insurance
A Guide to Critical Illness Insurance This guide about Critical Illness cover is designed to help you decide if this is a suitable product for you. It aims to help by answering the following questions:
More informationWe understand you want support right from the beginning
PROTECT We understand you want support right from the beginning PRUearly stage crisis cover Should an illness strike, the earlier it is diagnosed, the easier it is to manage and the higher the chances
More informationLiving benefits. Oasis. A look at critical illness insurance claims
Living benefits solutions Oasis A look at critical illness insurance claims People are living longer. If you experience a critical illness, you re now more likely to survive it and live for many years.
More informationChild cover. Free. child cover offer inside
Child cover Free child cover offer inside Protecting your most precious asset It s a natural desire to want to wrap your child in cotton wool and protect them from harm. But while cotton wool might protect
More informationCOVER WHEN YOU NEED IT MOST. A Guide to Specified Serious Illness Cover. Specified Serious Illness Cover
COVER WHEN YOU NEED IT MOST A Guide to Specified Serious Illness Cover Specified Serious Illness Cover INTRODUCING ROYAL LONDON Ever since we started as a Friendly Society over 150 years ago, at Royal
More informationCritical illness conditions covered
For financial adviser use Critical illness conditions covered Provider Alzheimer s Disease age 65 age 60 Aorta graft surgery for disease Benign brain tumour Blindness permanent and irreversible Cancer
More informationAccelerated Protection. Do I need Critical Illness insurance?
Accelerated Protection Do I need Critical Illness insurance? Are you prepared? It s a fact of life that we all get sick, and sometimes seriously. The cost of recovery from an illness like cancer or heart
More informationYour critical illness protection plan
Your critical illness protection plan It could happen to you It is estimated there are over 70,000 heart attacks in Canada each year. There are between 40,000-50,000 strokes in Canada each year. An estimated
More informationCombined Life & Critical Illness Protection Guaranteed Premiums. Policy Summary
Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary Combined Life & Critical Illness Protection Guaranteed Premiums Policy Summary In this summary, we try to help you by giving
More informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationPolicy Summary of Friends Life Individual Protection Critical Illness with Life Cover
Policy Summary of Friends Life Individual Protection Critical Illness with Life Cover FLIP/4569/Mar15 This policy summary gives you important information about the Friends Life Individual Protection Critical
More informationThis document contains important information about the Personal Protection Menu and you should read this along with your quote.
Key facts of the Personal Protection Menu (May 2012) This document contains important information about the Personal Protection Menu and you should read this along with your quote. This document doesn
More informationKEY FEATURES OF CRITICAL ILLNESS WITH LIFE COVER PROTECTION FOR LIFE. Important information you need to read
KEY FEATURES OF CRITICAL ILLNESS WITH LIFE COVER PROTECTION FOR LIFE Important information you need to read THE FINANCIAL CONDUCT AUTHORITY IS A FINANCIAL SERVICES REGULATOR. IT REQUIRES US, SCOTTISH WIDOWS,
More informationYour Policy Conditions
Provided by Friends Life Life Insurance Your Policy Conditions Key features of Tesco Bank Life and Critical Illness Insurance Inside you ll find full details about Tesco Life Insurance. Key features of
More informationnow can protect their future
Life SmartLife your decisions now can protect their future they re in good hands life we re in it together hello Asteron is one of Australia and New Zealand s largest financial services providers with
More informationWhole of life. It is never too early...
It is never too early... ...but it can be too late. Whole of life protection As lifestyles change over time, so do mortgage, business and family protection needs. There is never a time in your client s
More informationHow to Avoid Overpaying For Your:
How to Avoid Overpaying For Your: Mortgage Life Insurance and Mortgage Critical Illness Insurance By: Terry Bialek Congratulations! You ve just bought a new house or condominium and you ve arranged a mortgage
More informationLifeProtect. Serious illness cover. Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE
LifeProtect Serious illness cover Protecting YOU FROM THE BIGGEST RISKS YOU LL FACE Important Note - Please read Zurich s Serious Illness Cover is subject to terms and conditions which are contained in
More informationElixia 123 Personal Critical Illness Cover
Elixia 123 Personal Critical Illness Cover Key Features Your questions answered unum.co.uk Elixia 123 Personal Critical Illness Cover Key Features - your questions answered This key features document
More informationCritical Illness Protection Rider Product Overview
Critical Illness Protection Rider Product Overview Whether it s a young family with a mortgage to pay and other financial commitments, or a couple who is close to retirement and who want to protect their
More informationGroup 2: Critical Illness Benefits
Group 2: Zurich s cover is designed to free yourself and your loved ones from the potentially devastating financial impact that follows diagnosis with a critical illness. 1. Level Term Life or Earlier
More informationA simple, affordable way to give peace of mind to the people who matter most
GUARANTEED 50 PLUS LIFE COVER A simple, affordable way to give peace of mind to the people who matter most Want to know more? Please talk to your adviser The average cost of a burial in the UK is currently
More informationCritical Illness Insurance. Second Chance for Children 30 days to 17 years
Critical Illness Insurance Second Chance for Children 30 days to 17 years Second Chance for Children Protect your children in case of critical illness so you can afford to stay by their bedside If one
More informationCritical Illness with Term Assurance
AIG Life Critical Illness with Term Assurance Our comprehensive Critical Illness with Term Assurance delivers more value and quality to the customer and their family than ever before. It is designed to
More informationWe have made the following changes to the Critical Illness events covered under our group critical illness policy.
We have made the following changes to the Critical Illness events covered under our group critical illness policy. March 2015 Because everyone needs a back-up plan 7 New critical illness events added to
More informationMLC Insurance. How to get back on track. MLC Critical Illness insurance. Now with the unique medical advice service by Best Doctors
MLC Insurance How to get back on track MLC Critical Illness insurance. Now with the unique medical advice service by Best Doctors Around half of all Australians aged over 30 will suffer at least one of
More informationSUPPLEMENTARY NOTES. Personal General Insurance (4 th Edition) Date Of Issue: 1 October 2014
SUPPLEMENTARY NOTES Personal General Insurance (4 th Edition) Date Of Issue: 1 October 2014 The following amendments have NOT been incorporated in the Study Guide. They should be marked up in the Study
More informationKey Features of Term Assurance with Critical Illness
Key Features of Term Assurance with Critical Illness Key Features of Term Assurance with Critical Illness The Financial Conduct Authority is a financial services regulator. It requires us, Aviva, to give
More informationEnjoy a position of vantage, come what may.
Enjoy a position of vantage, come what may. prucrisis covervantage While you have achieved much in life and you and your family enjoy the benefits of success, there may be times when the unexpected happens.
More informationProtect. Flexible life and critical illness cover
Key features of Protect Flexible life and critical illness cover The Financial Conduct Authority is a financial services regulator. It requires us, Old Mutual Wealth, to give you this important information
More informationREAL Trauma Cover. What is it?
PROTECTION PERSONAL REAL Trauma Cover What is it? REAL Trauma Cover pays you a lump sum of up to $2 million if you suffer any of the 43 critical illnesses specified in the policy, such as cancer, heart
More informationFor customers. Friends Life Protect+ Global Treatment option. World-class overseas treatment
For customers Friends Life Protect+ Global Treatment option World-class overseas treatment Friends Life Protect+ providing access to Global Treatment With our Global Treatment option, you can be treated
More informationData capture form for telephone application
PERSONAL MENU PLAN Data capture form for telephone application Information for advisers how to use our telephone application service To apply for a Royal London Personal Menu Plan, simply go to adviser.royallondon.com
More informationWe understand that you would want multiple coverage against critical illnesses
PROTECT Enhanced We understand that you would want multiple coverage against critical illnesses PRUmultiple crisis cover Medical advancements over the years have led to better survival and recovery rates
More informationWhen it s hard to get the help you need, we ll make it easy.
PROTECTION AIA PRIME CRITICAL COVER When it s hard to get the help you need, we ll make it easy. AIA Prime Critical Cover gives you easy access to critical illness protection with coverage up to age 100.
More informationContents 1 The purpose of a trust 2 The key people involved in a trust 3 Choosing which trust form to use 5 Deciding how to set up the trust 8 Your
Our guide to trusts Contents 1 The purpose of a trust 2 The key people involved in a trust 3 Choosing which trust form to use 5 Deciding how to set up the trust 8 Your questions answered 13 Appendix 1
More informationKey Features. Pegasus. Key features of the Pegasus Personal Assurance plan. Important information you need to read.
Pegasus Key Features Personal Assurance Plan Key features of the Pegasus Personal Assurance plan. Important information you need to read. The Financial Services Authority is the independent financial services
More informationClaims we paid 2010. claims statistics and case studies 1 January 2010 to 31 December 2010
Claims we paid 2010 AMP s claims statistics and case studies 1 January 2010 to 31 December 2010 AMP s Claims Concierge service AMP insurance exists to provide a safety net for our customers when they need
More informationGETTING EVERYTHING IN SHAPE. A Guide to Mortgage Protection Cover. Mortgage Protection Cover
GETTING EVERYTHING IN SHAPE A Guide to Mortgage Protection Cover Mortgage Protection Cover INTRODUCING ROYAL LONDON Ever since we started as a Friendly Society over 150 years ago, at Royal London we ve
More informationVista. Additional benefits
Vista Additional benefits By choosing to invest with Vista, you are planning to help ensure that you and your family will be able to afford a comfortable retirement, a holiday of a lifetime, a good education
More informationKey Features Document
Key Features Document Customer Services Freephone: 0800 169 7733 Main switchboard: 020 8546 7733 Office hours: Monday to Friday, 9am to 6pm E-mail csd@uk.combined.com Website www.combinedinsurance.co.uk
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance What lump sum covers are available with Asteron Life Personal Insurance? Life Cover Life Cover insurance pays a lump sum of money if you pass away or become terminally ill.
More informationLow Start Critical Illness with Term Assurance Key Facts
Low Start Term Assurance Key Facts Contents Section A: About Low Start Page A1 What is Low Start? 4 A2 Low Start s aims A3 How does Low Start - Critical 4 Illness with Term Assurance work? A4 Your commitment
More informationCritical Illness. Policy Summary
Critical Illness Policy Summary This summary gives you an overview of our Critical Illness product. For full details, including all the terms and conditions, please read the LV= Critical Illness Policy
More informationLife Living Assurance Customer guide LIVING ASSURANCE. TotalCareMax Customer guide. Life. Take charge. sovereign.co.nz
Life Living Assurance Customer guide LIVING ASSURANCE TotalCareMax Customer guide Life. Take charge. sovereign.co.nz WHAT IS LIVING ASSURANCE? Living Assurance provides you and your family with peace of
More information