Together they help protect citizens from the
financial perils of death and illness.
The Villains
They lurk in the shadows, randomly wreaking
havoc on the lives of unsuspecting families.
Why citizens need protecting from death…
Death can strike
at any time
The average age of a life
claimant in 2023 was 47 and
the youngest was just 27.1
Unfortunatly,
no family is safe
An estimated 46,300
children lose a parent
each year.2
Raising a child
alone is costly
The cost of raising a child
to age 18 is £220,000 for
a lone parent.3
Without cover, families
could lose their homes
The average first
time buyer mortgage
is £227,757.4
1: Guardian 2023 claims report. All claims with a decision made from 1 January 2023 – 31 December 2023. 2: UK death & bereavement statistics, childbereavementuk.org, August 2024. Dependent child aged 0 – 17. 3: The Cost of a Child in 2023, cpag.org.uk, December 2023. 4: Mortgage of first time buyer tops £1,000 a month as house prices and rates rise, theguardian.com, 24 June 2024.
Why citizens need protecting from illness…
Many people can’t
depend on their savings
46% of UK citizens
have £1,000 or less
in savings. 1
Government
help is minimal
Statutory sick pay
amounts to just £116.75
a week for 28 weeks. 2
Many working people
live month-to-month
24% of UK workers admit
to often running out of
money before pay day. 3
Illness is one of
our biggest risks
1 in 13 people are off
work due to a
long-term illness. 4
1: Savings statistics 2024: Average savings by age in the UK, finder.com, 4 June 2024. 2: Statutory Sick Pay (SPP), gov.uk, 2 September 2024. 3: UK savings crisis as financial wellbeing gap widens, Yorkshire Building Society, 16 August 2023. 4: Employment: People on long-term sick feel ‘written off’, bbc.co.uk, 13 July 2023.
The superheroes
When citizens need protecting from death and illness
you need the combined superpowers of our covers.
Unmask the value…
LIFE COVER
The Family Protector
Here to keep families financially secure when a
loved one dies or becomes terminally ill.
THE POWER OF
LIFE COVER OPTIONS
With low-cost Life Essentials and
premier Life Protection, we have a life
cover option for every citizen.
THE POWER OF
PAYOUT PLANNER
Clients can nominate up to 9
beneficiaries during the application,
so any payout bypasses probate.
THE POWER OF ENHANCED
TERMINAL ILLNESS
Our Life Protection pays out on
certain terminal illness conditions
regardless of life expectancy.
INCOME PROTECTION
The Lifestyle Protector
Here to step in and pay the bills, when hard-working
citizens find themselves too ill to work.
THE POWER OF
PAYOUT PERIOD OPTIONS
Tailor cover to clients’ budgets
with full-term or 2-year payout
period options.
THE POWER OF OWN
JOB DEFINITION
Give your client the reassurance
of knowing we pay out if they’re
too ill to do their actual job.
THE POWER OF PREMIUM
WAIVER AS STANDARD
We waive premiums after 28 days
regardless the chosen Income
Protection deferred period.
And because kids get ill too…
CHILDREN’S CRITICAL ILLNESS PROTECTION
Our children’s critical illness protection can be
added to any adult cover.
AND DON’T FORGET…
Our super cover comes with super additional benefits.
Extraordinary claims support.
Free medical expertise, anytime.