Non-medical limits. A guide to our underwriting limits for protection products. For intermediary use only not for use with your clients
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- Winfred Phelps
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1 Non-medical limits A guide to our underwriting limits for protection products For intermediary use only not for use with your clients
2 Life Single & Joint Life First Death Sum assured >70 25,001 50,001 80, , ,001 NML NSE 250,001 NSE 300,001 NSE NML 400,001 NSE 500,001 NSE 600,001 NSE NML 750,001 NSE 1,000,001 NML NML NML 1,500,001 ~ ~ 2,000,001 ~ Note: 1. Cotinine tests will be added to all NSE s and s for non smokers. 2. *If no disclosures and the is by own GP/Surgery the NML / can be waived. 3. ~ testing for medical limits is saliva unless we are already obtaining blood in which case a blood test can be used. ~ ~ ~ 3,000,001 3,500,001 4,000,001 5,000,001 7,500,001 Exercise electrocardiogram Full blood profile corroborated by 3rd party test Medical examination NML Short form General Practitioner s Report NSE Nurse Screening Examination
3 Life Joint Life Second Death Note: 1. Cotinine tests will be added to all NSE s and s for non smokers. 2. *If no disclosures and the is by own GP/Surgery the NML / can be waived. 3. ~ testing for medical limits is saliva unless we are already obtaining blood in which case a blood test can be used. Exercise electrocardiogram Full blood profile corroborated by 3rd party Sum assured >70 50, , , , ,001 NML NSE 500,001 NSE 600,001 NSE NML 800,001 NSE 1,000,001 NSE 1,200,001 NSE NML 1,500,001 NSE 2,000,001 NML NML 3,000,001 ~ ~ NML ~ test Medical examination ~ ~ ~ 4,000,001 5,000,001 6,000,001 8,000,001 10,000,001 15,000,001 NML Short form General Practitioner s Report NSE Nurse Screening Examination
4 Critical illness Sum assured Up to ,001 80, ,001 NML 150,001 NML 250,001 NSE 300,001 NSE NML 400,001 NSE NSE NML 450,001 NSE 500, ,001 NML 750,001 NML NML 800,001 1,000,001 1,500,001 3,000,001 Note: 1. Cotinine tests will be added to all NSE s and s for non smokers. 2. *If no disclosures and the is by own GP/Surgery the NML / can be waived. 3. Do not aggregate the Life sum assured with the Critical Illness sum assured. Exercise electrocardiogram Full blood profile corroborated by 3rd party test Medical examination NML Short form General Practitioner s Report NSE Nurse Screening Examination
5 Income protection 1 month deferred period Annual Benefit ,601 12,001 13,001 25,001 30,001 50,001 75,001 90, ,001 Note: Essential Cover we use half the benefit level on the application form. Keyperson obtain Keyperson IPP Questionnaire, P60 and Accounts. Exercise electrocardiogram Full blood profile corroborated by 3rd party test Blood test Medical examination (with cotinine test if non-smoker) Microurinalysis
6 Income protection and payment protection benefit 3, 6 and 12 month deferred periods Annual Benefit ,001 9,001 9,601 12,001 15,001 18,001 20,001 24,001 30,001 50,001 75,001 90, ,001 Note: Essential Cover we use half the benefit level on the application form. Keyperson obtain Keyperson IPP Questionnaire, P60 and Accounts. Payment protection benefit maximum annual benefit = 48,000. Exercise electrocardiogram Full blood profile corroborated by 3rd party test Blood test Medical examination (with cotinine test if non-smoker) Microurinalysis
7
8 For use by professional financial advisers only. No other person should rely on, or act on any information in this advertisement when making an investment decision. This advertisement has not been approved for use with clients. Zurich Assurance Ltd, authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England and Wales under company number Registered Office: The Grange, Bishops Cleeve, Cheltenham, GL52 8XX. Telephone: We may record or monitor calls to improve our service. PW (01/15) RRD
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