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Perfect match

A range of products with unique features,
all designed to bring good advice to life.

advice unlimited

With our stand-alone life and stand-alone critical illness cover, combined life and critical illness cover and optional children’s critical illness cover, you can build a protection policy that meets your clients’ needs perfectly.

Every policy includes Premium Waiver as standard and every policyholder gets access to our support services HALO and Guardian Anytime.

our products
STAND-ALONE

LIFE
PROTECTION

LIFE<br/>PROTECTION

Life cover that takes terminal illness cover to a whole new level.

STAND-ALONE

CRITICAL ILLNESS
PROTECTION

CRITICAL ILLNESS<br/>PROTECTION

Critical illness cover with better definitions that help provide peace of mind. 

COMBINED

LIFE AND CRITICAL
ILLNESS PROTECTION

LIFE AND CRITICAL<br/>ILLNESS PROTECTION

Affordable mortgage protection that gives your clients the best of both worlds. 

OPTIONAL

CHILDREN'S CRITICAL
ILLNESS PROTECTION

CHILDREN'S CRITICAL<br/>ILLNESS PROTECTION

Cover that can be added to any stand-alone life, stand-alone critical illness or combined cover.

KEY POLICY FEATURES
MULTI-COVER DISCOUNT

We apply a multi-cover discount when you apply for separate life cover and critical illness cover on the same application.

SEPARATE COVERS TO
MAXIMISE PAYOUTS

You can recommend our combined cover for 1 potential payout or choose our stand-alone covers, with a multi-cover discount, for 2 potential payouts.

DUAL LIFE FOR COUPLES

We keep couples’ cover separate, so if one person makes a claim their partner’s cover remains in place.

COVER UPGRADE PROMISE

If we improve our critical illness cover at any point in the future, existing customers can benefit.

Additional Services
AT POINT OF CLAIM

an extraordinary claims service, because there’s no such thing as an ordinary claim

AVAILABLE EVERY DAY

all policyholders get free additional benefits, without the need to claim

WHATEVER YOUR CLIENT’S SITUATION, OUR PRODUCTS AND PLATFORM LET YOU MEET THEIR NEEDS PERFECTLY WITHOUT HAVING TO COMPROMISE ON THE QUALITY OF COVER.

Jacqui Gillies
Marketing and Proposition Director

OUR PRODUCTS
Stand-alone<br/>Life Protection

Stand-alone
Life Protection

Additional Services

THE EXTRA HELP CUSTOMERS
NEED, WHEN THEY NEED IT