The main benefits included in our Personal Protection policy are critical illness protection, life cover and income protection, which you can combine in various ways.
Additional benefits
Certain additional benefits are also included automatically, such as the option to increase your level of cover, free critical illness protection for children and a choice of whether your benefits are paid as a lump sum or in instalments.
Other benefits, such as having the premium waived during periods of incapacity and total and permanent disability benefit if you are diagnosed as being unable to do your job, can also be added.
Flexible benefits
At any time, you can increase or reduce your level of benefit or reduce or expand its term. You can add or remove both main and additional benefits, add or remove a life assured, and change the payment frequency and deferred period.
Common questions
What additional benefits can be used to tailor a Personal Protection policy?...
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.